Fee Schedule Information

Effective as of July 1, 2014

All fees will have a transaction code of "SK" on statement followed by a description.

Easy Steps to Avoiding Fees and Save Some Money

  • Only use your ATM card for a cash withdrawal at a SUM or CO-OP Network machine.
  • For purchases select "credit" and sign for your transaction do not use your PIN, the money still comes out of your checking account
  • Pay your bills for free online and avoid the cost of stamps
  • Keep track of your accounts online and avoid overdrafts
  • Notify the credit union when you change your address
  • Keep your account active and avoid the inactive account fee

Share Draft/HSA/Checking Fees:

Overdraft/NSF Check

$27.00 per item

Overdraft Transfer from Shares fee (HSA not applicable)

$8.00 per item

Place Stop Payment

$25.00 per item

Copy of paid draft (check)

$7.50 per item

Copy of paid draft (check) online through Virtual Branch


Reconciliation of account

$10.00 first time

Reconciliation of account

$25.00 second time and each time thereafter

Second Chance Checking

$10.00 monthly

ATM/Debit Card Fees:

Unlimited ATM/Debit Transactions 
No ATM fees at any SUM or CO-OP Network ATMFREE (other financial institutions may charge you)
ATM/Debit CardFREE
Replacement for lost ATM/Debit Card$5.00
Rushed Replacement for ATM/Debit Card$40.00

Money Market Savings Fees:

Transfers through CARLA or online, limit 6 per monthFREE
Beyond limit of 6 per month, each transfer$10.00

Electronic Funds Fees:

ACH / NSF Return$27.00 per item
Overdraft Transfer from Shares fee$8.00 per item
Place Stop Payment$25.00 per item
Visa Classic or Platinum late payment fee$30.00
Visa Classic or Platinum return check fee$27.00
Installment Loan late payment fee$20.00
Lien Release Letter$20.00
Mortgage Release Discharge requested by another party$30.00
Subordination agreements$30.00

Miscellaneous Items:

Virtual Branch (Online Banking)FREE
Online Bill Pay ServiceFREE
Visa Gift Card$3.50
Money Order$3.50
Wires in/out domestic$20.00
Wires in/out foreign$40.00
Foreign check collection$20.00
Any check deposited to your account and returned for Insufficient funds$27.00
Member check cashed by non-member

(up to $2,500)

1% of check amount
$5.00 minimum
Copy of a printed statement$5.00
Copy of a printed account history$1.00 per page
Inactive Account Fee
(after 1 year; excluding 18yrs and younger)
$5.00 per month
Returned mail / incorrect address fee$5.00 per piece
Official Credit Union check payable to 3rd party$5.00
Processing of levies, garnishments, executions, subpoenas and escheatments$25.00
Account closure within 6 months of opening$10.00

What would you like to do today?

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Tobacco Valley Teachers Federal Credit Union | Call: 860-253-4780 or 800-749-8305 | Fax: 860-253-4785 | Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

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