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: This email address is being protected from spambots. You need JavaScript enabled to view it. 
View office hours
Virtual Branch
Account Login:
Fee Schedule Information
Effective as of August 13, 2012
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/Checking Fees:
| Overdraft/NSF Check | $27.00 per item |
| Overdraft Transfer from Shares fee | $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 | FREE |
| Reconciliation of account | $10.00 first time |
| Reconciliation of account | $25.00 second time and on |
ATM/Debit Card Fees:
| Unlimited ATM/Debit Transactions | |
| No ATM fees at any SUM or CO-OP Network ATM | FREE (other financial institutions may charge you) |
| ATM/Debit Card | FREE |
| 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 month | FREE |
| 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 |
Miscellaneous Items:
| 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 |
| 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 |
| On-us check cashed for non-member | $5.00 |
| Copy of a printed statement | $5.00 |
| Inactive Account Fee (after 1 year; excluding 18yrs and younger) | $5.00 monthly fee |
| Returned mail / incorrect address fee | $5.00 per piece |
| Official Credit Union check payable to 3rd party | $3.00 |
| Processing of levies, garnishments, executions, subpeonas and escheatments | $25.00 |
| Virtual Branch (Online Banking) | FREE |
| Online Bill Pay Service | FREE |
| E-Statements | FREE |
| Account closure within 6 months of opening | $10.00 |
