Fee Schedule

Rates & Fees Effective January 1, 2019

Checking Accounts

Monthly Service Fee	FREE
Per Check Fee	FREE
Monthly Maintenance Fee	FREE
Starter Checks - First 10	FREE
Additional Starter or Temporary Checks (5)	$5.00
Stop Payment Order - Checks, ACH, Popmoney	$25.00
Check Certification	$10.00
Photocopy of a Paid Check Under 12 Months	$3.00
Photocopy of a Paid Check Over 12 Months	$6.00
Faxed copy of a Paid Check	$5.00
Check/ACH Returned - Member issued	$25.00
Check Returned - Deposited Item	$20.00
Overdraft Protection (Share/Loan Transfer)	$2.00
Manual Processing/Clearing - Checks, ACH	$10.00
Nonsufficient Funds for Preauthorized Withdrawal	$30.00
Courtesy Pay Fee per item	$25.00
Checking Activity Printout (Per Month)	$2.00
Check Printing (Fee Based on Style Ordered)	VARIES

Bill Payment and Presentment	FREE
Copy of a Bill Payment Check	$5.00
Verification of a Bill Payment	$5.00
Stop Payment Order on a Bill Pay item	$40.00
Nonsufficient Funds for Authorized Bill Pay	$40.00

Checks written for under $250	$10.00
In excess of 6 checks per month	$10.00
Monthly below minimum fee (below $500)	$5.00

Delinquent Payment Fee	$35.00
Photocopy of Visa Sales Draft	$20.00
Manual post Visa Debit/Credit transaction	$10.00
Visa Gift Card Purchase	$4.50
Replace Lost VISA Card/PIN	$5.00*

* Initial replacement card is $5.00, any subsequent cards will be charged $10.00

Balance Inquiry	$1.25
Transfer	$1.25
Withdrawals	$1.25**
Withdrawals from TOHEFCU ATM Machines	FREE
Replacement Card (Lost/Damaged)	$5.00*

* Initial replacement card is $5.00, any subsequent cards will be charged $10.00
** Members receive five (5) free withdrawals per calendar month.

Account Opening	FREE
New Account Closing Within 90 Days (Savings/Checking)	$25.00
Non-notification of Change of Address (Quarterly)	$5.00
Below Minimum Balance (Savings - Monthly)	$5.00
Inactive Account Fee (Quarterly After 2 years)	$10.00
Membership Number Change/Reopen (3^rd time)	$25.00

Popmoney	Standard		1 FREE per month then $3 per transaction
Popmoney	Next Day		$5
Popmoney - Request Money			$2
Incoming Funds Transfer	Standard		FREE
Incoming Funds Transfer	Next Day		$10
Outgoing Funds Transfer	Standard	0 - $2,000	$3
Outgoing Funds Transfer	Standard	$2,001 - limit	$5
Outgoing Funds Transfer	Next Day		$10

Home Banking www.tohefcu.org	FREE
Bill Payment	FREE
"ET" - Electronic Teller Audio Response System	FREE
Notary Public	FREE
Tax Levy Processing	$30.00
Restraining Notice Processing	$30.00
Court Ordered Processing (Check Copies, etc)	$75.00*
Replacement of Lost Coupon Payment Booklets	$5.00
Replacement Membership Card (Lost/Damaged)	$5.00
Rush on any Plastic Card Order	$75.00
Wire Transfer Fee (Outgoing - Domestic)	$25.00
Wire Transfer Fee (Outgoing - Foreign)	$50.00
Wire Transfer Fee (Incoming)	FREE
Incoming Book Transfer	$20.00
Collection Item Processing	$20.00
Collection for Deposited Canadian Item	$10.00
Foreign Item Collection Fee	$30.00
Photocopy/Fax (other than drafts)	$5.00
Account Reconciliation (per hour 1 hour minimum)	$25.00/hr.
American Express Travelers Cheques	FREE
American Express Gift Cheques	$2.50
American Express Gift Cards	$3.95
Money Orders	$3.00
Signature Verification	$5.00
Signature Verification - Medallion Stamp Program	$15.00
Outgoing IRA Trustee Transfer	$25.00
Deposit Verifications (From Other Institutions)	$10.00
Statement Copy/Account Balance Print Out (per month)	$5.00
Holiday Club Withdrawal	$5.00
Vacation Club Excessive Withdrawals (Over 3 per Year)	$5.00
Abandoned Property Fee	$50.00
HELOC check written for less than $500	$10.00
Copy of Credit Union Official Checks	$5.00
Stop Payment of Credit Union Official Check	$25.00
Third Party Official Checks	$5.00
Return of Deposited Check	$20.00
Return of Deposited Check Drawn on Member's Account at Another Financial Institution	$35.00