Fee Schedule
| Fee | |
|---|---|
| Par Value of One Share | $5.00 |
| Account Closure | $25.00 if closed within 90 days of opening |
| Prime Share Savings- Failure to maintain minimum balance | $5.00/Month if minimum daily balance is not met |
| Paper Statement Fee | Premier Relationship Level- Fee is waived. Elite Relationship Level-$1.00/Month. Select and Member Relationship Level- $2.00/Month. Note: Fee is waived for members ages 65 or older and for members 18 or under. |
| Paper Check (box) Fees | Prices may vary depending upon style and relationship level. |
| NSF Fee | $35.00/Item (each item submission and resubmission) |
| ACH NSF Fee | $35.00/Item (each submission and resubmission) |
| Debit Card Overdraft | $35.00/Item |
| Returned Item Fee | $35.00/Item (each item submission and resubmission) |
| High Yield Savings Overdraft Transfer | Six(6) free/month, and then $1.00/Overdraft Transfer |
| Courtesy Pay Fee | $35.00/Item |
| ACH Courtesy Pay | $35.00/Item |
| Overdraft Transfer | Six (6) free/month, and then $1.00/overdraft transfer |
| Stop Payment Fee | $30.00/Item |
| Skip A Payment Fee | $40.00/Request |
| Account Reconciliation Fee | $20.00/Hour |
| Copy of IRS Form | $2.00/Copy |
| Check Copies | $2.00/Copy for request of check print-out only. No fee for check images displayed in online or mobile banking. |
| Copy of Official Check | $5.00/Item |
| Official Check | Premier Relationship Level- Fee is waived. Elite Relationship Level- $1.00/Check. Select Relationship Level- $2.00/Check. Member Relationship Level- $3.00/Check. |
| Counter Checks | $1.00/Check |
| Statement Copies | $2.00/Copy for request of statement print-out only. No fee for statements displayed in online or mobile banking. |
| Incorrect Address Fee | $10/Month after one (1) month if not corrected through online banking or in writing |
| Dormant Account Fee | $15.00/Month if no activity after twelve (12) months and balance is less than $1,000 (members age 18 and older) |
| Escheat Fee | $75.00/Account |
| Legal Process (tax levies, summons, etc.) | $75.00/Occurrence |
| Item Sent for Collection Fee | $10.00/Item |
| Mortgage Verification of Deposit | $10.00/Request |
| Lien Recording Fee | $15/Lien |
| Gift Card Fee | $3.00/Item |
| Wire Transfer Fee - Incoming | $10.00/Transfer |
| Wire Transfer Fee - Outgoing | $20.00/Transfer |
| Card Replacement Fee | $5.00/Each |
| Card Rush Fee | $40.00/each |
| Credit Card Rush Fee | $40.00/each |
| Currency Conversion Fee | 1.00% of Transaction Amount |
Carolinas Telco Federal Credit Union "daily cut-off time"
All deposits or transactions received after the close of a business day, received the retrieval of night deposits, or received on a day which we are closed for business, will be treated as if received on the next business.
No wire transfers will be sent after 5:00 pm. The wire transfer request form should be received by our administrative office no later than 4:30 pm to be processed for the current business day. Carolinas Telco FCU does not process any international wires.
Please review our business hours for specific locations.
