RTP Federal Credit Union
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Fee Schedule

Effective May 15, 2018 and subject to change.

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Membership Fee FREE!
ID Theft Protection Service (monthly) $1.50
Paper Statement Fee (monthly — excludes Youth Accounts and Credit Cards.) $2.50

Photocopy of Statement

Account Activity Printout $2.00
Copy of Check $2.00
Loan Payment by Phone (each pmt.) $5.00
Stop Payment (each item) $30.00
Non-Sufficient Funds (each item) $30.00
Uncollected Funds (each item) $30.00
Courtesy Pay (each item) $30.00
Checking Account Fee (monthly):  

Interest Checking* 
(*Minimum one-time monthly direct deposit of $500, Debit Card, and eStatements with Home Banking required. See Truth-In-Savings for account disclosures and details.)

No Monthly Fee
Average Daily Balance of $1,000 or more No Monthly Fee
Min $500 Direct Deposit & eStatements No Monthly Fee
Basic Checking $5.00/month

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 $5.00 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 per item
Replacement Card (Visa® Debit and Credit Card) $15.00
Counter Check $0.50
Money Order $1.00
Returned Deposits/Payment/Drafts $15.00
Collection Items $5.00 + Cost
Account Research or Assistance $15.00/hour
Returned Mail $3.00
Visa® Gift Card ($25 increments) $3.00
Missing Auto Title Fee (after 90 days) $100.00
Wire Transfers (incoming or outgoing)
Domestic $20.00
Foreign $50.00
ATM Fees
All transactions done at an ATM owned by RTP Federal Credit Union are free.
Use Cash Points (State Employees Credit Union's terminals) without having to pay surcharges. Click here for no-surcharge ATMs in your area.

Use any Star or Plus ATM terminal to obtain cash. However, you are always subject to the ATM terminal's surcharge, if any apply.

Use your Visa Debit Card for retail purchases with no fees or limits! Ask for cash back to avoid ATM surcharges and fees (grocery stores, retail, gas stations, drug stores, etc.)
In addition to surcharges the ATM terminal may charge, cardholders are subject to transaction fees at ATMs not owned by RTP Federal Credit Union (Cash Points, Star or Plus ATM terminals). After 5 ATM transactions (withdrawals, transfers or inquiries) each month, RTP FCU charges $0.75 for each additional transaction.
Electronic Service Fees
TouchTone Teller Free/Unlimited
Home Banking Free
Bill Payment Free with eStatements
     without eStatements $4.95/month with unlimited transactions
Visa® Debit Card No Monthly Fee
Unblock Card Fee  
     First Time Free
     After First Time $10.00
Card Replacement Fee $15.00
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 or More Key $150
Late Payment Fee $15
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 $5.00 per signature
Official Check $3.00 per check
NCUA Equal Housing Lender
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