Fee Schedule
Effective July 1, 2010 and subject to change.
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
| Miscellaneous | |
|---|---|
| Membership Fee | FREE! |
| Photocopy of Statement | $2.00 |
| Account Activity Printout | $2.00 |
| Copy of Check | $2.00 |
| Stop Payment (each item) | $20.00 |
| Non-Sufficient Funds Item (each) | $25.00 |
| Courtesy Pay (each item) | $23.00 |
| Uncollected Funds Item (each) | $25.00 |
|
Overdraft/Reg D |
|
|
Federal law limits the number of automatic transfers from an interest bearing account to a checking account to 6 transfers a month. The first 2 are free. After 2, we charge a Reg D fee. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: share draft, inperson withdrawal, ATM withdrawal, or other electronic means. |
|
| First 2 | Free |
| After 2 (each) | $13.00 |
| Check Cashing Fee | $2.00 per occurrence |
| Applies to non-members and to members who only have a Regular Share Account with <$5,000.00 balance. | |
| Special Handling Fee (each item) | $20.00 |
| Replacement Card (ATM and Visa® Debit Card) | $5.00 |
| Counter Check | $0.50 |
| Money Order | $1.00 |
| Returned Deposits/Payment/Drafts | $10.00/$20.00 |
| Collection Items | $5.00 + Cost |
| Account Research or Assistance | $15.00/hour |
| Returned Mail | $3.00 |
| Travelers Checks for One | $1.00 per hundred |
| Travelers Checks for Two | $1.75 per hundred |
| Gift Checks | $2.50 |
| Visa® Gift Card ($25 increments) | $3.00 |
| Missing Auto Title Fee (after 90 days) | $100.00 |
| Wire Transfers (incoming or outgoing) | |
|---|---|
| Domestic | $12.00 |
| Foreign | $30.00 |
| ATM Fees |
|---|
| Use Cash Points (State Employees Credit Union's terminals) and other no-surcharge ATMs without having to pay surcharges. Click here for no-surcharge ATMs in your area. |
| All transactions done at an ATM owned by RTP Federal Credit Union are free. Use any Star or Plus ATM terminal to obtain cash. However, you are always subject to the ATM terminal's surcharge, if any apply. |
Credit Union Transaction Fees (only applies to transactions done at ATMs not owned by RTP Federal Credit Union):
|
| Checking |
|---|
|
| Visa® Credit Card Fees | |
|---|---|
| Visa® Annual Fee - Fixed Rate Card | No Fee |
| Visa® Annual Fee - Variable Rate Card | $10.00 |
| Cash Advance Fees | Free |
| Late Fee | $15.00 |
| Card Replacement Fee | $10.00 |
| Returned Check Fee (each item) | $15.00 |
| Document Copy Fee (each item) | $6.00 |
| Card Pick-up Fee | $65.00 |
| Electronic Service Fees | |
|---|---|
| TouchTone Teller | Free/Unlimited |
| Home Banking | Free |
| Bill Payment | Free with eStatements |
| without eStatements | $4.95/month with unlimited transactions |
| ATM Card | No Monthly Fee |
| Visa® Debit Card | No Monthly Fee |
| Unblock Card Fee | |
| First Time | Free |
| After First Time | $10.00 |
| Card Replacement Fee | $10.00 |
| Safe Deposit Box Fees | |
|---|---|
| Annual Rent by Box Size | |
| 3" X 5" | $25 |
| 3" X 10" | $40 |
| 5" X 10" | $55 |
| 10" X 10" | $75 |
| Loss of One Key | $25 |
| Loss of Both Keys | $150 |
| Late Payment Fee | $10 |
| Low Participation Fee | |
|---|---|
| An account is subject to the monthly low participation fee if there is no activity during a 6 month period and combined share account balances (Regular Share, Checking, Money Market, Christmas Club, and Vacation Club) are less than $200. This fee will not be charged for accountholders under 18 years of age nor will it apply to Teen and Kid accounts. Members who have a certificate of deposit, IRA or loan are also excluded. | |
| Low Participation Fee | $10.00/month |
| Early Close Fee | |
|---|---|
| Applies to new members who close out their membership within the first 90 days. | |
| Early Close Fee | $15.00 (one time) |
| Non-member Fees (FREE for members) | |
|---|---|
| Notary Service | $2.00/signature |
| Official Check | $3.00/check |
