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TTCU Fee Schedule

current as of 07/2017*


Kasasa Checking Accounts
                  No monthly service charge.
                                                                No minimum balance required.
 
Restart Checking


Experience Checking
(no longer offered)
$8 monthly service fee


No fee with $2,500 Average Daily Balance or if the primary member is age 65 or above.  No fee if the account meets at least one of the qualifications below:  
• Direct Deposit**
• $10,000 in aggregate deposit balances***
• $25,000 in aggregate loan balances***
 If no qualifications are met, monthly fee is $10. No per-check charge up to 20 checks each month, 25¢ per check thereafter.
   

Utility Account

$5 monthly service fee. 10 free checks per month.
25¢ per check thereafter.
$5 paper statement fee.


Smart Business
Checking Account


No minimum deposit to open. 
No minimum balance required. 100 free transactions per month. $20 per month thereafter. $5 fee per month for paper statement. $10 daily negative balance charge. 
 


Student Checking (no longer offered)


No service fee. No per-check charge up to 15 checks per month, 25¢ per check thereafter.


Regular Share Savings


No fee for first withdrawal each month. $5 for subsequent withdrawals. (Additional fees may apply to ATM/Debit withdrawals.)  No fee for member transfers.  Balances of $500 or less in savings with no other services will be charged a $5 check cashing fee per transaction.


Single Service Fee


A Regular Share account opened at least 6 months, with balance of $250 or less and no other service will be charged a $5 per month fee. Excludes ages 25 or younger, 65 or above.


Early Closure Fee


Account closed within 90 days of opening will be charged the lesser of $25 or account balance.


Garnishment/Levy Fee


$100 per garnishment/levy.  Applied to any account receiving a garnishment or levy.


Debit Cards


No fee.  Lost/reissue card $10.  New PIN $5.


TTCU ATMs
 


All Checking:
Free withdrawals, inquiries and transfers.

Savings: 1 free withdrawal per month. $1 per withdrawal thereafter.


Non-TTCU ATMs
(Surcharge may apply on ATM machines not within MoneyTower or CO-OP Network) 

Kasasa® Checking Accounts
• Refunds on ATM fees, nationwide up to $20 monthly†.

Other Checking: 2 free withdrawals per month. $1 per withdrawal thereafter.  50¢ per inquiry or transfer.

Savings: 1 free withdrawal per month. $1 per withdrawal thereafter.


Paper Statement Fee


$3 per statement. Free with Kasasa® Checking or if under 18 or 60 and above.


Online Banking


No fee.
 
 
Bill Payer Inactivity Fee $5 per month if no bills paid within 3 months. 
 
 

IRAs 
 

No set-up fee. No annual fee. Early withdrawal or IRS penalties may apply.


Share Certificates
Early withdrawal penalties may apply.
   


Summer PayDays  $5 per withdrawal or transfer before distribution date.
 
 
Summer Fun Account  No fee for first withdrawal each month. $5 fee for subsequent withdrawals. 
 
 
Christmas Club 

$5 per withdrawal or transfer before distribution date.



OTHER CHECK SERVICES:

 

   
  - Cashier's Check $5 (1 free per month for age 55 or above).
 
 
  - Money Orders $3 (1 free per month for age 55 or above).
 
 
  - Reorder Checks Fees may vary. Free Regal Wallet duplicate checks with Believe It! Money Market Account.
 
 
  - Counter Checks No fee for new accounts; otherwise $2 per 10.
 
 
Printed Activity Report   $5 per request.
 
 
Visa Gift Cards $3 per card. Values range up to $1,000. Non-reloadable.
 
 
Prepaid Debit Cards  $3 per card. ask for CU money Everyday Spend Fee Summary at the branch. 
 
 
Prepaid Travel Cards $5 per card with EMV chip; $3 per card with magnetic stripe. Ask for CU money Travel Money Fee Schedule at the branch. 
 
 
   
RETURNED CHECK FEES:  
   
 -  Negative Balance Fee $1 per day for each day account has negative balance greater than $35.
 
 
 -  Non-Sufficient Funds (NSF) $32 (all types).
 
 

 -  Returned Deposit Item

$32.
 
 
 - Uncollected Funds Fee $32 (all types).
 
 
   
 - Privileged Assurance $32 for paid overdraft (all types).
   

SPECIAL CONSIDERATIONS:
 
   
 - First Mortgage Payoff Request  $50. 
 
 
 - Stop Payments $32; Electronic Stop Payments $5.
 
 
 - ACH Rush Stop Payments $50 ACH Stop Payment Order received less than 3 business days before payment due.
 
 
 - Account closed for NSF $25. 
 
 
 - Verification of Deposit    $10.
   

 

 - Wire Transfer $15 domestic, $45 foreign 
   


Reconcile Account $25 per hour/1 hour minimum.  No charge for new accounts in first 3 months of opening.
   

 

Foreign & Other Collection  Items

$10, plus outside costs incurred.
 
 
Check Photocopies  $3 each; online copies free.
 
 
Escheatment Research Fee
$50.
 
 
Statement Copy  $3 per page.
 
 
Safe Deposit Boxes  Available at these branches: Main, Rivergate, Johnson City (Sunset) and Cool Springs. Call for pricing.
   


Mail returned to Credit Union
(due to incorrect address) 
$5.


   

Funds Availability Information


 

†To qualify for refunds each month with Kasasa Checking, you must:
   - Make at least 12 purchases with your debit card that post and settle to your account.
   - Be enrolled and receive e-Statements.
   - Log into online banking at least once. 

  **Direct Deposit is defined as any incoming deposit through ACH or Payroll Deduction or deposits of at least $1,000 aggregate per month.

***Balance in Business and New Beginning accounts do not count toward the aggregate account balance.

*All fees and charges are subject to change. Updated 07/2017.