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 September 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

Replacement Card $10 per card
Point of Sale Transactions No Charge
Credit Union Owned ATM Fees No Charge
Co-op ATM Network No Charge
Transfers, Inquiries, Denials No Charge
Foreign Owned ATM Fees No Charge
Rush Card Fee $35
Plastic Same Day $55
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.