Fees
| Rates & Fees Effective Date | October 14, 2025 |
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, or Zelle | $30.00 |
| 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 | $30.00 |
| Check Returned - Deposited Item | $30.00 |
| Account Protection (Share/Loan Transfer) per transfer fee | $2.00 |
| Manual Processing/Clearing - Checks, ACH | $10.00 |
| Nonsufficient Funds for Preauthorization Withdrawal | $30.00 |
| Courtesy Pay Fee per item | $25.00 |
| Checking Activity Printout per month | $2.00 |
| Check Printing (Fee based Upon Style) | VARIES |
Bill Payment
| 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 | $45.00 |
| Nonsufficient Funds for Authorized Bill Pay | $45.00 |
Money Market Accounts
| Checks written under $250 | $10.00 |
| In excess of six checks per month | $10.00/check |
| Monthly below minimum fee (below $500) | $5.00 |
Visa Accounts
| Delinquent Payment Fee | $35.00 |
| Photocopy of Visa Sales Draft | $20.00 |
| Manual post of Visa Debit/Credit transaction | $10.00 |
| Replace Lost Visa Card | $10.00 |
ATM Transactions
| Balance Inquiry | $1.25 |
| Transfer | $1.25 |
| Withdrawals | $1.25* |
| Withdrawals from TOHEFCU ATM machines | FREE |
| Replacement Card (Lost/Damaged) | $10.00** |
*Members receive five free withdrawals per calendar month.
**Initial replacement card is $10.00, any subsequent cards will be charged $20.00.
External Funds Transfer
| 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 |
Various Services
| Online Banking | FREE |
| Bill Payment | FREE |
| Notary Public | FREE |
| Tax Levy Processing | $30.00 |
| Restraining Notice Processing | $30.00 |
| Court Ordered Processing (Check Copies, etc.) | $75.00 plus per item costs over 25 copies |
| Replacement of Lost Coupon Payment Books | $5.00 |
| Replacement Membership Card (Lost/Damaged) | $5.00 |
| Rush on any Plastic Card Order | $75.00 |
| Wire Transfer Fee (Outgoing) | $35.00 |
| Wire Transfer Fee (Incoming) | $5.00 |
| Incoming Book Transfer | $20.00 |
| Collection Item Processing | $20.00 |
| Collection for Deposited Canadian Item | $10.00 |
| Foreign Item Collection Fee | $40.00 |
| Photocopy/Fax (other than drafts) | $5.00 |
| Account Reconciliation (per hour - 1 hour minimum) | $25.00/hour |
| Signature Verification | $5.00 |
| Signature Verification - Medallion Stamp Program | $20.00 |
| 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 | $30.00 |
| Third Party Official Checks | $5.00 |
| Return of Deposited Check | $30.00 |
| Return of Deposited Check Drawn on Member's Account at Another Financial Institution | $45.00 |