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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.


All Checking:
Free withdrawals, inquiries and transfers.

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

(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. 


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.



  - 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. 
 -  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

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

 - 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
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) 


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.