Fee Schedule

We don’t try to hide our fees. We know you won’t find any lower.

Checking Account Fees

Insufficient Funds (NSF)

$25 each

Overdraft Privilege Fee

$25 each

Stop Payment Fee

$25 each

Online Bill Payment NSF

$25 each

Online Bill Payment Stop Payment Fee

$25 each

Debit Card Replacement

$5 occurrence

Transaction Fee for ATM's not in CO-OP Network

$1 occurrence

Returned Deposited Check

$15 each

Temporary Checks

$4 per page of 4 checks (12 free at account opening)

Statement copies

$2 per statement (recent statements free in online banking)

Photocopy of Cancelled Checks

$2 each after first two checks each month

ReStart Checking Account

$5 month

Check Printing Cost

varies by design


Accounting Fees

Domestic Wire Fee

$15 each (any amount)

International Wire Fee

$40 each (any amount)

Western Union Wire Fee

$20 each

Account Research & Balancing

$20 per hour

Lien/Levy/Garnishment

$25 per item

Uncollected Funds Fee

$25 per item

Manual Check Clearing Fee

$1 per check

Digital Transfer to External Bank/Credit Union

$4.50 per transaction


Special Services

Notary Service

Free to members

Money Orders

$1 each

Cashier's Check

$2 each

Credit Union Check 3rd party

$1 each

Check by Phone

$5 each

Gift Cards

$2 each

Reloadable Debit Cards

$6 each

Digital Banking Loan Pay with External Debit Card

$4 each

Digital Banking Loan Pay with External Bank Account

No Charge


Lending Fees

Late Payment, Home Equity & Home Improvement Loans originated prior to 10-1-2015

After 15 days late, 1% of past due principal and interest

Late Payment Fee, Home Equity & Home Improvement Loans originated after 10-1-2015

After 15 days late, 4% of past due principal and interest

Late Payment Fee, First Mortgage Loan,
non-FHA Financing

After 15 days late, 5% of past due principal and interest

Late Payment Fee, First Mortgage Loan,
FHA Financing

After 15 days late, 4% of the past due principal and interest

Late Payment Fee, Consumer Loans originated prior to 1-1-2016

After 15 days late, 20% of the interest due. Minimum - $5; Maximum - $17

Late Payment Fee, Consumer Loans originated after 1-1-2016

After 15 days late, 5% of the payment amount. Minimum - $10

Late Payment Fee, Credit Cards

After 15 days late, $17 per event


Miscellaneous Fees

Account closed within 90 days of opening

$15 per event

Incorrect Mailing Address

$5 per month

Non-ATFCU card used at an ATFCU ATM

$3 each

Use of Copy Machine

$1 per page

Use of Fax Machine

$3 for first page/$1 for other pages


 

Effective October 1, 2020

 

Contact us with additional questions.

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(325) 677-2274 -call or text

(800) 677-6770 – calls only