Tracy Federal Credit Union -Fee Schedule

Checking Accounts

Savings Accounts

Money Market Accounts

Certificates of Deposit

IRA’s

Consumer Loans

Real Estate Loans

Direct Deposit/Payroll Deduction

24 Hour Touchtone Banking

Tracy Federal Credit Union
951 Central Avenue,
Tracy, CA
(209) 832-6450
Copyright 2008

Fee Schedule
Effective May 1, 2008

General Services
Membership Fee	New Account – $5
Re-Admittance Fee	$15 (for accounts reopened within 90 days of close)
Account Closure Fee within 6 Months of Opening	$20
Returned Deposited Item Fee from (self to self) Member Checking	$27
Returned Deposited Item Fee from (3rd party) Non-Member Checking	$20
IRA Transfer to Other Institution Fee	$25
Verification Of Deposit Fee	$10
Account Reconciliation Fee	$25 per hour
In Branch Share Withdrawals	6 free per month, $2 each thereafter (not including members below age 18 or Freedom 55 checking accountholders)
Copy of Statement from Microfiche	$2
Computer Statement of Account	$1
Collection Item	$25
Franchise Tax Board Levy	$3
Levies or Garnishments Fee	$35
Incoming Wire Transfer (Domestic)	$10
Outgoing Wire Transfer (Domestic)	$17
Incoming Wire Transfer (Foreign)	$25
Outgoing Wire Transfer (Foreign)	$37
Share Account Minimum Balance Fee	$2 (below $25)
Money Orders	$2
Bad Address Fee	$5 per quarter
TFCU Counter Checks	2 free credit union checks per month. A $3 fee per check is applied thereafter.
Stop Payment of TFCU Counter Check	$15
Copy of TFCU Counter Check	$5
ACH Non-Sufficient Funds Fee	$27
ACH Stop Payment Fee	$15
Plastic Card Replacement Fee	$7.50
PIN (Personal Identification Number) Reminder Notice	$3
Check Cashing	2% of check. (Check cashing fee waived for active TFCU checking or loan account, or $500 aggregate savings balance.)
American Express Gift Checks	$2.50 per check
Travelers Checks	1% of total traveler's checks. Fee waived with active checking account.
CoinStar Machine	4.9% processing fee
Dormant Account Fee	$5
Escheat Notice Fee	$2
Notary Fee	$10

Checking Services
Monthly Fee	$7 – This fee applies only to checking accounts with balances that fall below $250 and no direct deposit of net check. (Fee is waived if member has $2,500 in savings or a certificate, has an active loan, is under 18 or over 55 years of age.)
Returned Deposited Item Fee from (self to self) Member Checking	$27
Returned Deposited Item Fee from (3rd party) Non-Member Checking	$20
Non-Sufficient Funds Item	$27
Copy of Statement from Microfiche	$2 per page
Computer Statement of Account	$1 per page
Photocopy of Check (first two per month free)	$5 - FREE if accessed through online banking
Stop Payment	$10
Automatic Overdraft Protection Fee	$2 for transferring shares to checking
Overdraft Privilege Fee	$27
Collection Items	$25
Account Reconciliation and Research	$20/hour (1 hour minimum)
Check Order	Amount varies

Savings Accounts
Monthly Fee	$2 – Monthly service fee will be charged to a savings account with an average monthly balance below $25. No fee will be charged during the month the savings account is first opened.

Money Market Account
Monthly Fee	$10 – If account falls below minimum balance of $1,000
Transaction Fee	$10 – For all transactions over 6 withdrawals/transfers per calendar month

Loan Services
Late Fee	20% of interest due (does not include VISA)
Auto Equity Loan Recording Fee	$75
DMV - Additional Title Changes/Research Fee	$15
Consolidation Loan Fee	$50
Skip Loan Payment Fee	$25
Out of Country Vehicle Authorization Fee	$20

Automated Teller Machine Services
Daily Withdrawal Limit	$350 (combination ATM and POS)
ATM Withdrawal Fee	$1.50 each - This fee applies only to ATMs that do not belong to TFCU or are not in the CO-OP ATM Network
ATM Non-Sufficient Funds Fee	$27
ATM Empty Deposit Envelope Fee	$27
ATM Deposit Error Fee	$5

Credit Cards
Late Fee	$ 25 (after 5 days past due)
Over Limit Fee	$ 25
Cash Advance to Members on Non-TFCU Credit Card Fee	1% or $5 minimum
Credit Card Replacement Fee	$7.50