Through our CTFCU Stimulus Plan we are refunding up to 5 NSF fees and up to 2 Bad Address and Incoming Wire Fees. View the list of ways that we are providing assistance to our members.
Fee Schedule
| Fee | |
|---|---|
| Par Value of One Share | $5.00 |
| Failure to Maintain Minimum Share Balance | $5.00/Month |
| Share Draft/Check Printing | Prices may vary depending upon style, shipping options and account type, and are subject to change. When an order is placed, costs for check printing and delivery will be disclosed at that time. Secure trackable delivery costs extra. Members age 55 and over qualify for one free boxes of checks per calendar year, but may incur charges for customization or expedited secure trackable delivery. |
| NSF Fee | $30.00/Item |
| Courtesy Pay Fee | $30.00/Item |
| Returned Item Fee | $30.00/Item |
| Stop Payment Fee | $30.00/Item |
| Account Reconciliation Fee | $20.00/Hour |
| Copy of IRS Form | $2.00/Copy |
| Copy of Share Draft | $2.00/Copy (Free on NetBranch) |
| Copy of Statement | $2.00/Copy (Free on NetBranch) |
| Copy of Telco Check | $5.00/Copy |
| Deposited Item Return Fee | $30.00/Item |
| Inactive Account Fee | $10/Month if no activity after two years, less than $500 balance and over 18 years of age |
| Incorrect Address Fee | $10/Month after two months if address is not corrected through online banking or in writing |
| Dormant Account Fee | $2.00/Month |
| Early Account Closure Fee | $25.00/Occurrence if Prime Share Savings Account is closed within 90 days of opening |
| Escheat Fee | $50.00/Account when escheated to the state |
| Foreign Item Sent for Collection Fee | $10.00/Item |
| Lien Recording Fee | $15/Lien |
| Mortgage Verification of Deposit | $10.00/Request |
| Skip A Payment Fee | $29.00/Request |
| Tax Levy Processing Fee | $35.00/Occurrence |
| Official Check | $2.00/Item for non-checking account members |
| Visa Gift Card Fee | $3.00 per card |
| Wire Transfer Fee - Incoming | $10.00/Transfer |
| Wire Transfer Fee - Outgoing | $20.00/Transfer |
| ACH NSF Fee | $30.00/Item |
| ATM Transaction Fee | 5 Free/Month on Each Account, then $0.75/Each |
| Card Replacement Fee | $5.00/Each |
| Debit Card Rush Fee | $40.00/each |
| Credit Card Rush Fee | $25.00/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.
Term for Used Vehicle Loans cannot exceed 72 months and are limited to less than 100,000 Miles and 8 Model years old, including the current model year. Vehicles 9-12 years old are considered Extended Age. Vehicles with over 100,000 miles are considered Extended Mileage. See chart below for details.