Austin Telco Federal Credit Union

Fees & Charges

Effective December 1, 2010

Checking Account Fees
Type	Amount
Check Printing Fees	varies
Checking Account Inquiry Fee	$1.00
Deposited Item Returned Fee (per item)	$2.00
Photo-Copy Fee - Check: (per item) (2 free per statement)	$1.00
NSF Fee (per item)	$24.00
Overdraft Courtesy Fee*	$24.00
Overdraft Fee: ($50 increments)*	$5.00
Returned Item Member Drawer Fee (per item)	$24.00
Stop Payment Fee (per request)	$25.00

*ATFCU offers members with established account histories, in good standing, an "Overdraft Privilege" service to pay checks, VISA Check Card transactions, point-of-sale transactions, ACH items and ATM withdrawals that are drawn against insufficient or unavailable funds at the time of presentment. Unavailable funds include funds on hold from a check deposit or funds on hold from a debit card transaction authorized but not yet cleared. This discretionary member courtesy could save you the embarrassment of returned items and expensive merchant fees. The standard $24 NSF (Courtesy) fee will still be imposed by ATFCU and any fees that would have been charged by a merchant will be avoided. Payment of an NSF item is at the sole discretion of ATFCU and based on a members overall relationship with the credit union to a maximum limit of $500 including fees.All overdrafts for transactions and fees should be paid within a timely manner. An account that remains negative, past a 45 day grace period, will be closed and negative amounts for transactions will be reported to the appropriate agency.

Other Service Fees (applicable to all accounts)
Type	Amount
Account Reconciliation Fee (per hour)	$20.00
Account Research Fee (per hour)	$20.00
Cashier's Check Fee (per check)	$2.00
Collection Item Teller Check Fee	$2.00
Copy Fee (per copy)	$0.10
Deposited Item Returned Fee (per item)	$2.00
Items Sent for Collections Fee	cost
Legal Process Fee	cost
Money Order Fee (per money order)	$1.00
On-line History Fee (mailed)	$3.00
Statement Copy Fee (per copy)	$3.00
Teller Check Fee (per check in excess of one per day)	$1.00
Temporary Check Fee (per 8 checks)	$2.00
Travelers Check Fee	1% per $100
Unreturned Drive-Thru Canister Replacement Fee	$75.00
Wire Transfer Outgoing Fee - domestic (per transfer)	$15.00
Wire Transfer Outgoing Fee - international (per transfer)	$40.00
Western Union (domestic)	$15.00
Western Union (International under $500)	$35.00
Western Union (International over $500)	$40.00 +2% of amt.

Electronic Funds Transfer Fees
Type	Amount
ATM/VISA Check Card Issue Fee	N/C
ATM/VISA Check Card Replacement Fee	N/C
ATM/VISA Check Card NSF Fee	$24.00
ATM/VISA Check Card Overdraft Fee	$5.00
ATM Transaction Fee (non-Telco owned ATM)*	$1.00
EFT NSF Fee	$24.00
EFT Overdraft Fee	$5.00
VISA Check Card Point of Sale Fee	N/C

*Plus surcharge fee from owner of ATM

Safe Deposit Box Fees
Annual Rental Size	Amount
3 X 5 X 21	$15.00
3 X 10 X 21	$30.00
5 X 10 X 21	$40.00
10 X 10 X 21	$65.00
Drilling of Box Fee	$90.00
Key Replacement Fee	$10.00

Credit Union Membership
Type	Amount
Membership Fee	N/C
Member Share (par value)	$25.00
Account Closing Fee*	$10.00
No address or bad address for more than 90 days. Share balance below $25.00 required minimum balance for more than 90 days *monthly fee	$10.00

*Savings, if closed within 90 day of opening date.

Bill Payment
Type	Amount
Up to 15 bills - per user, per month	N/C
Over 15 bill/ per payment	$0.35
Check copies (per check)	$6.00
Stop payment/ per request. (per check)	$15.00

*Money HQ - Must be currently signed up for Bill Payment**
Type	Amount
Up to 5 standard transfers - per user, per month	$4.95
Over 5 standard transfers - per user, per month	$1.50
Next day transfer fee - per transfer	$8.95

*Money HQ fees are in addition to any fees assessed for Bill Pay. The first two months of Money HQ are free.