Fees
Rates & Fees Effective Date | November 1, 2024 |
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 | $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 |
Overdraft Protection (Share/Loan Transfer) | $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 |
Visa Gift Card Purchase | $5.00 |
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 |