Fee Schedule Information

Effective as of November 1, 2015

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

$30.00 per item

ACH/NSF return of uncollected funds

$30.00 per item

Overdraft Transfer from Shares fee

$8.00 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


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

$5.00 per month

myChance Checking

$10.00 monthly

Account closure within 6 months of opening


Club Account Closure

(before club end date)


Health Savings Account (HSA) Closure


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 CardFREE
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 systemFREE

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 another party$50.00
Subordination agreements$50.00

Miscellaneous Items:

Virtual Branch (Online Banking)FREE
Mobile Banking AppFREE
Online Bill Pay ServiceFREE
Visa Gift Card (activation fee)$3.50
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$1.00 per page
Copy of check deposited to your account$5.00 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)

$5.00 per request
Coin Machine2% of total amount of coins redeemed

What would you like to do today?

Log on to Virtual Branch

View loan rates

Apply for a loan

Apply for a VISA credit card

Apply for a mortgage

View Savings Rates

Switch to TVTFCU’s Free Checking

Find a Fee-Free ATM

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Learn more about TVTFCU

Learn How to Become a Member

View our newsletters

Read about TVTFCU in the News


Quick Links



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.

Copyright © 2014 Tobacco Valley Teachers Federal Credit Union. All Rights Reserved.