As a cooperative institution, Town & Country Federal Credit Union generally shares with all members the cost of providing individualized service to those who request it. Occasionally, situations arise which require a degree of personal service. We feel the cost of these services should be an expense to the individual involved.
Listed below are the fees and charges for those services as of May 1, 2023. Fees are subject to change. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, or other electronic means.
Checking Account Fees
| Check Printing |
Prices vary |
| Check Printing (members over 62) |
No Charge |
| Returned Item Fee |
$30 per item |
| Overdraft Fee |
$30 per item |
| Stop Payment |
$25 per item |
| Business Checking Fee |
$7 per month |
| Copy of a Paid Check |
$3 each |
| Automatic Transfers (max of 6) |
$5 per item |
| Line of Credit Advance Fee |
$5 per draw |
| Balancing Fee |
$15 per hour |
| Non Magnetic Ink Handling Fee |
$2.50 per item |
Savings Account Fees
| Early Closing Fee (less than 6 mos.) |
$25 |
| Below Minimum Balance Fee |
$2 per month |
TCPhone 24
| 24 Hour Account Access |
No Charge |
Online Banking
| Online/Mobile/Tablet |
No Charge |
Bill Pay
| Bill Pay |
No Charge |
| Bill Payment Expedited Fee-Electronic |
$5 |
| Bill Payment Expedited Fee-Check |
$25 |
| Bill Pay Research Fee |
$30 |
VISA Debit Card
| New Card |
$3 per card |
| Replacement Card |
$10 per card |
| Point of Sale Transactions |
No Charge |
| Credit Union Owned ATM Fees |
No Charge |
| Co-op ATM Network |
No Charge |
| SURF Alliance ATM Fees |
No Charge |
| Transfers, Inquiries, Denials |
No Charge |
| Foreign Owned ATM Fees |
No Charge |
| Draft Retrieval |
$15 |
Shared Branching Non-Member Fees
| Excess Check Deposits (more than 5) |
$0.25 each |
| Money Orders |
$3 each |
| Corporate Checks |
$3 each |
| Travel Money Card Fee |
$9.95 per card |
| Travel Money Card Companion Card Fee |
$2.95 per card |
| Travel Money Card Reload Fee |
$3.50 per card |
Travel Money Cards
| Card Fee |
$9.95 per card |
| Companion Card Fee |
$2.95 per card |
| Reload Fee |
$3.50 per card |
Gift Cards
| Card Fee |
$3.95 per card |
| Monthly maintenance after 12 months |
$2.95 |
| Lost/stolen card replacement fee |
$5 |
Wire Transfers
| Domestic |
$20 each |
| Foreign |
$40 each |
| Incoming Wire |
$10 each |
Safe Deposit Box Fees
| Annual Rental Rates: |
|
| 3 x 5 Box |
$40 |
| 5 x 5 Box |
$50 |
| 3 x 10 Box |
$60 |
| 5 x 10 Box |
$80 |
| 10 x 10 Box |
$100 |
| Lock Replacement |
$200 |
Other Fees
| Account History |
$3 each |
| Checking Account Registers |
No Charge |
| Checking Account Covers |
No Charge |
| Copy of a Statement |
No Charge |
| Corporate Checks |
$3 each |
| Inactive Account Fee |
$5 per month |
| Money Orders |
$3 each |
| No Forwarding Address |
$3 per month |
| Non-Member On-Us Check Cashing Fee |
$3 each |
| Non-Member ATM Surcharge Fee |
$3 each |
| Notary Public Service |
No Charge |
| Outstanding Corporate Check Fee (6 months+) |
$25 |
| Photocopy Service |
$0.20 per copy |
| Phone Transfer No Receipt |
No Charge |
| Phone Transfer Mailed Receipt |
$0.35 each |
| Research ($15 minimum) |
$15 per hour |
| Skip a Payment Fee |
$30 |
| Unclaimed Account Fee |
$50 |
| Payment by Phone |
$20 |
A fee may be imposed for covering overdrafts created by check, in-person withdrawal, or other electronic means.
Come experience what we can do for you.