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Tobacco Valley Teachers FCU

Tobacco Valley Teachers Federal Credit Union

182 South Road, Enfield, CT 06082 - Routing Number: 211176969
Call: 860-253-4780 or 800-749-8305 | Fax: 860-253-4785
Email: msr@tvtfcu.org    View office hours
VIRTUAL BRANCH

Account Login:

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You are here: Home » TVTFCU Fee Schedule

Fee Schedule Information

Effective as of March 1, 2017

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

Easy Steps to Avoiding Fees and Save Some Money

  • Use Fee-Free ATMS in the CO-OP Network for cash withdrawals.
  • When using your debit card for purchases, select or ask for DEBIT instead of CREDIT.
  • Pay your bills through our FREE online Virtual Branch or our FREE Mobile App and avoid the cost of stamps and checks.
  • Keep track of your accounts and avoid overdrafts.
  • Keep your account active and avoid receiving an inactive account fee. You need to have at least one transaction per year to keep your account active.
  • Notify credit union staff when you change your address.

Savings, Checking & HSA Fees:

Overdraft/NSF Check or uncollected funds $33.00 per item
ACH/NSF return of uncollected funds $33.00 per item
Overdraft Transfer from Shares fee $10.00 per item
Place Stop Payment $30.00 per item
Copy of paid draft (check) $10.00 per item
Copy of paid draft (check) online through Virtual Branch FREE
Reconciliation of account $10.00 first time
Reconciliation of account $25.00 second time and each time thereafter
Inactive account after 1 year excluding 18 years and younger $7.50 per month
myChance Checking $10.00 monthly
Account closure within 6 months of opening $25.00
Club Account Closure (before club end date) $25.00
Health Savings Account (HSA) Closure $15.00

ATM/Debit & Visa Credit Card Fees:

Unlimited ATM/Debit Transactions  
No ATM fees at any CO-OP Network ATM
(other financial institutions may charge you)
 
ATM/Debit Card FREE
Replacement for lost ATM/Debit Card $10.00
Rushed Replacement for lost ATM/Debit Card $40.00
Replacement for lost Visa Credit Card $10.00
Rushed Replacement for lost Visa Credit Card $40.00
Cash advance on a non-credit union Visa Credit Card $10.00
Visa Classic or Platinum Credit Card late payment $30.00
Visa Classic or Platinum Credit Card return check $30.00

Money Market Savings Fees:

Transfers through CARLA automated phone system
 
FREE
Limit 6 per month
Transfers through CARLA automated phone system $10.00 Each transfer
beyond limit of 6 per month

Loan Fees

Late loan payment $25.00
Lien Release Letter $30.00
Mortgage Release Discharge requested by a 3rd party $75.00
Copy of any documents requested by a 3rd party     (ie: Attorney) $1.00 per page
Subordination agreements $75.00

Miscellaneous Items:

Virtual Branch (Online Banking) FREE
Mobile Banking App FREE
Online Bill Pay Service FREE
E-Statements FREE
Visa Gift Card (activation fee) $4.00
Money Order $3.50
Wires in/out domestic $20.00
Wires in/out foreign $40.00
Foreign check collection $25.00
Any check deposited to your account and returned to the credit union $30.00
Member check cashed by non-member
(up to $2,500)
1% of check amount
$5.00 minimum
Copy of a printed statement $7.50
Copy of printed account history $2.00 per page
Copy of check deposited to your account $10.00 per check
Copy of 1099/1098/1099SA/5498SA $5.00
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 $30.00
Temporary checks (12 checks maximum)
$10.00 per request
Coin Machine 2% of total amount of coins redeemed
RFID Debit/Credit Card Sleeve FREE per card, $1.00 each thereafter
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