Fee Schedule

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.

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