Checking Account Fees | Other Service Fees | Electronic Funds Transfer Fee | Safe Deposit Box Fee | Credit Union Membership | Bill Payment
Effective December 21, 2022
Checking Account Fees
| Type | Amount |
|---|---|
| Check Printing Fees | Varies |
| Photo-Copy Fee - Check: (per item) (2 free per statement) | $1.00 |
| NSF Fee (per item/per presentment) | $27.50 |
| Overdraft Courtesy Fee* | $27.50 |
| Overdraft Fee: ($50 increments)* | $5.00 |
| Returned Item Member Drawer Fee (per item) | $27.50 |
| Stop Payment Fee (per request) | $27.50 |
*ATFCU offers members with established account histories, in good standing, an "Overdraft Privilege" service to pay checks, VISA Debit Card transactions, point-of-sale transactions, ACH items and ATM withdrawals that are drawn against insufficient or unavailable funds at the time of presentment. Unavailable funds include funds on hold from a check deposit or funds on hold from a debit card transaction authorized but not yet cleared. This discretionary member courtesy could save you the embarrassment of returned items and expensive merchant fees. The standard $27.50 NSF (Courtesy) fee will still be imposed by ATFCU and any fees that would have been charged by a merchant will be avoided. Payment of an NSF item is at the sole discretion of ATFCU and based on a members overall relationship with the credit union to a maximum limit of $500 including fees. All overdrafts for transactions and fees should be paid within a timely manner. An account that remains negative, past a 60 day grace period, will be closed and negative amounts for transactions will be reported to the appropriate agency.
Other Service Fees (applicable to all accounts)
| Type | Amount |
|---|---|
| Account Research Fee (per hour) | $20.00 |
| Cashier's Check Fee (per check) | $3.00 |
| ONUS to Teller Check Conversion Fee | $15.00 |
| Deposited Item Returned Fee (per item) | $5.00 |
| Items Sent for Collections Fee | cost |
| Legal Process Fee | cost |
| Money Order Fee (per money order) | $1.00 |
| Online History Fee (mailed) | $3.00 |
| Statement Copy Fee (per copy) | $3.00 |
| Teller Check Fee (per check in excess of one per day) | $2.00 |
| Temporary Check Fee (per 4 checks) | $2.00 |
| Unreturned Drive-Thru Canister Replacement Fee | $75.00 |
| Wire Transfer Outgoing Fee - domestic (per transfer) | $15.00 |
| Wire Transfer Outgoing Fee - international (per transfer) | $40.00 |
Electronic Funds Transfer Fees
| Type | Amount |
|---|---|
| ATM/VISA Debit Card Issue Fee | N/C |
| ATM/VISA Debit Card Replacement Fee |
N/C
|
| ATM/VISA Debit Card NSF Fee | $27.50 |
| ATM/VISA Debit Card Overdraft Fee | $5.00 |
| ATM Transaction Fee (non-Telco owned ATM)* | $1.00 |
| EFT NSF Fee | $27.50 |
| EFT Overdraft Fee | $5.00 |
| Visa Debit Card Point of Sale Fee | N/C |
*Plus surcharge fee from owner of ATM
Safe Deposit Box Fees
| Annual Rental Size | Amount |
|---|---|
| 3 x 5 x 21 | $15.00 |
| 3 x 10 x 21 | $30.00 |
| 5 x 10 x 21 | $40.00 |
| 10 x 10 x 21 | $65.00 |
| Drilling of Box Fee | $125.00 |
| Key Replacement Fee | $10.00 |
Credit Union Membership
| Type | Amount |
|---|---|
| Membership Fee | N/C |
| Membership Share (par value) | $25.00 |
*Savings, if closed within 90 days of opening date
Bill Payment
| Type | Amount |
|---|---|
| Up to 15 bills - per user, per month | |
| Over 15 bills/per payment | $0.35 |
| Check Copies (per check) | $6.00 |
| Stop Payment/per request | $15.00 |