Schedule of Fees & Service - Charges Effective

ScheduleofFees&Service

Charges Effective

:September 6 , 2019

Share/SavingsAccounts

MinimumBalance……………………………………………………..…….…………….$1.00

MonthlyFee………………………………………………………………………………….……$0

InactiveFee(after2yearsandunde

r$100.00)………………...$10.00/Month

NegativeBalanceFee…………………………………………………..…..…………………$0

ReturnofaDepositedI

tem………………………………………..…………$15.00Each

ShareDraft/Checking

MonthlyFee…………………………………..……………………….……..……………….…. $0

MinimumBalance……………………………..…………………………..…………….……. $0

PerCheckFee……………………………………………..……………..…………..……..….. $0

StopPayment–ShareDraft(Check),ACH/BillPayer…………….. $25.00Each

ReturnofaDraft/ACHTransaction, per presentment.....…..... $32.00Each

ReturnofDepositedItem…………………………………………....…….... $15.00Each

CopyofPaidDraft:Online‐Free;InBranch…………………......…. $3.00 Each

ShareDraftOrders……………………………………………...Pricesvarybydesign

TemporaryDrafts(8)…………………………………………………………...……….... Free

OverdraftTransferfromSavingsorMoneyMarket………….…….$8.00 Each

Privilege Pay (per occurrence)................................................... $32.00 Each

BenefitsPlusMonthlyFee………………………………………………...……...….. $4.95

EducatedChoiceDiscounts

Maintainaminimummonthlycombinedbalanceof$2,500ormoreinany

combination of deposit accounts and you can enroll in this special

benefitspackage.

AccountBenefits

CombinedMonthlyMinimum Balance

Gold

$2500

Platinum

$5000

Consumer Loan Rate Discount

†



.25% .50%

VisaCreditCardRateDiscount .24% .48%

MortgageClosingCostDiscount $100 $200

ShareDraftOrders

(BasicDesign) AtCost

FREE‐ Shipping&

Handlingnotinclude



OverdraftTransferFee

$8

FREE

FundsAvailabilityonChecks

Deposited

N/A Immediate,upto

$1,000

VisaGiftCardFee(inBranches) 10 FREE

perYear

10FREEperYear

Non‐TFCUATMSurchargeRebate** N/A Upto$5/month

TFCUFeeforOff‐siteATM

Transactions*

FREE FREE

TravelersChecks,MoneyOrders,

Official Checks, Account Transcripts

at Branch

FREE FREE

CopyofPaidDraftand/orDomestic

WireTransfer

3each

perYear‐

FREE

6eachperyear‐

FREE

Below Minimum Average Balance

Monthly Fee‐ charged only if your

balance falls below the designated

level.

$8 $10

CertificateAccounts

MinimumOpeningDeposit……………………………………………………….$1,000

MaintenanceFee……………………………………………………………………………..$0

EarlyWithdrawalPenalties……..Applydependingontermofcertificate

IndividualRetirementAccounts

MaintenanceFee……………………………………………………………………………..$0

OutgoingTransfers&Rollovers…………………………………………………….FREE

WithdrawalPenalties……………………….…………Incurredbeforeage59‐1/2

MoneyMarketAccounts

MinimumOpeningDeposit……………………………………………………….$2,500

Under$500BalanceFee…………………………………………….…….$5.00/month

Drafts In Excess of 6 Cleared Per Month...... ………………………..…….$32.00

EachMortgageLoans

MortgageApplicationFee………………………………………………….………$100.00

LatePaymentFee…………………………..4%ofPrincipal&interestpayment

Mortgage Subordination Preparation Fee.....................................$150.00

MortgageSatisfaction Preparation Fee ……………………………………….$30.00

VisaCreditCards

AnnualFee……………………………………………………………………………………..…..$0

CashAdvanceFee…………….....................$5.00 or 3%whichever is greater

LatePaymentFee………………………………………………………………………….$25.00

OverLimitFee……………………………………………………………………………………..$0

Returned Payment Fee......................................................................$32.00

Expedited Card Fee............................................................................$35.00

CardReplacementFee……………………………………………………..…….$5.00Each

ElectronicServices

TelephoneBanking(DNA Voice)……………………………………………..…..….FREE

OnlineAccountAccess……………………………………………………………………FREE

OnlineBillPayment………………………………………………………………………..FREE

OnlineBillPaymentStopPaymentRequest…………………………$25.00Each

OnlineBillPayerExpeditedElectronicPayment……….…………..$5.00Each

OnlineBillPayerRequesttoOvernightaBillPayerCheck……………$25.00

OnlineBillPayerRequestforSummaryofBillPayerActivityviaaCD..$25.00

ATM/CheckCardIssuance………………………………………………………….…FREE

CheckCardDailyPurchaseMaximum………………………………………$2,500.00

TFCUATMUsage…………………………………………………………………………….FREE

Non‐TFCUATMUsage*…………………..................………………..$1.75Per

TransactionATMSurchargeNon‐Member…………...…………………………$3.00

ATM/CheckCardDailyCashWithdrawalLimit***……………..…….$500.00

ReplacementofATM/CheckCard……………………………………………….$10.00

ReplacementofGiftCard……………………………………………………...$5.00Each

ReprogramATM/CheckCardPIN…………………………..………………………FREE

DirectDeposit………………………………………………………………………………….FREE 

DomesticWireTransfer(Outgoing)…………………………………$20.00Each

WireTransfer(Incoming)……………………………………………………..$10.00 Each

StopPaymentofAutomatic Transfer(ACH)………..………….....$25.00Each

International Wire Transfer: US-US Dollar (Outgoing) …….........$50.00 Each

International Wire Transfer: US-Foreign Dollar (Outgoing) …....$30.00 Each

†Select Consumer Loan programs.* Surcharges may be imposed by non-TFCU ATM owners.

**Platinum Members will receive a rebate of foreign (non TFCU) ATM surcharge fees up to a

maximum of $5 per calendar month. ***Visa imposes a 1.00% currency conversion fee for multi

currency international and single currency international transactions when the acquirer and

issuer country codes are different. Effective April 16, 2011, Visa imposes a cash disbursement fee

for international/inter-regional Visa & PLUS ATM cash disbursement transactions. For Visa Europe

the fee is US $1.50. For Canada the fee is US $1.25. For the Asia Pacific and Latin America/

Caribbean regions the fee US $0.65 + 0.52%. For Central/Eastern Europe, Middle East and African

regions the fee is US $0.55 + 0.42%. This applies to Visa Credit & Debit Cards. This does not apply

to US cards used at terminals in the US or its territories.

EducatedChoiceDiscountsAvailable

MRKT-02 (3/19)

Closing Costs…………………………..…………….Based on amount borrowed

Pay-By-Phone Service.................................................$16.50 per transaction

BenefitsPlusPremium MonthlyFee……………….………………...……...….. $9.95

Electronic Withdrawals In Excess of 6 Cleared Per Month Will Return NSF...$32.00

Drafts In Excess of 6 Cleared Per Month...... ………………………..…….$32.00

102MotorParkway∙Hauppauge,NY11788

Tel:631‐698‐7000∙Fax:631‐648‐2045∙www.teachersfcu.org

Mail:P.O.Box9005,Smithtown,NY11787

ConvenienceServices

MoneyOrders…………………………………………..……………$3.00Each

VisaGiftCardIn‐BranchPurchase…….………………$4.00PerCard

GiftCardInactivityFee...$7.50PerMonthafter24MonthsofInactivity

AmericanExpressTravelersCheques…………………50₵Per$100

AmericanExpressGiftCheques……………………………………$2.00Each

OfficialCheck–ThirdParty………….………………………..$3.00Each

ForeignCollectionItem……………………………………………....$22.00Each

BusinessAccounts

BusinessChecking

MonthlyFeeiftheCombinedAccountBalance>=$5,000….….$0

MonthlyFeeifBalancebelow$5000………………………………….…$10

TransactionFees

(Combinedcredits&debitsinexcessof100)

..$.15Each

CurrencyHandling(outgoingpaper&coin)………….1%ofRequest

StopPayment–ShareDraft(Check),ACH/BillPayer……$25.00Each

BusinessAccountsContinued

ReturnofaDraft/ACHTransaction, per presentment..………$32.00Each

ReturnofDepositedItem…………………………………………………….$15.00Each

CopyofPaidDraft:Online–FREE;InBranch……….………………..$3.00Each

ShareDraftOrders……………………………………………………….……....PricesVary

TemporaryDrafts(8).…………………………………………………………………….FREE

OverdraftTransferfromSavingsorMoneyMarket………………$8.00Each

MiscellaneousCharges

SignatureGuaranteeService………………………………………………………….FREE

NotaryPublic…………………………………………………………………………………FREE

Research(PerHour)……………………………………………………………….….$10.00

LegalDocumentProcessing…………………………………………………………$75.00

AbandonedPropertyProcessingFee…………………………………………..$25.00

CopyofStatement:Online‐FREE;InBranch……….………………….$3.00Each

FAXService…………………………………………………………………..NominalCharge

BreakOpenofSafeDepositBox……………………………………………….$200.00 

SafeDepositBoxReplacementKey…………………………………………….$10.00

SafeDepositBoxes(BayShore,Farmingville,Holbrook,Huntington,

Manorville,Oakdale, PortJeffersonStation,RockyPoint, Briarwood

&Smithtown only).. Please callfor availability and rentalfees.

EffectiveSeptember6,2019

AllRatesandtermsaresubjecttochangewithoutnotice.

MainOffice:

102MotorParkway

Hauppauge,NY11788

631‐698‐7000∙1‐800‐341‐4333*

www.teachersfcu.org

*OutsideofLongIsland,WestchesterandNewYorkMetroarea.

EQUALOPPORTUNITYLENDER

Yoursavingsfederallyinsuredtoatleast

$250,000andbackedbythefullfaithand

creditoftheUnitedStatesGovernment.

MRKT-02 (3/19)