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 relationship level, style, shipping options, and account type and are subject to change. Actual costs for check printing and delivery will be disclosed at the time of order placement. Secure, trackable delivery costs extra. Members age 65 and over qualify for one free standard box of checks per calendar year but may incur charges for customization or expedited secure, trackable delivery. |
| 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 |
| Check Cashing Fee (Non-Members) | $10.00/per item. Non-members cashing "on-us" checks or CTFCU official checks over $100. |
| 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. Please review our business hours for specific locations.
