Alabama Telco Credit Union
 

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Visa Account Access Go to the Edge

Fee Schedule

Below is a list of our most current fees. If you have any questions regarding a fee charged to your account, please call Member Services at 1.800.24.TELCO.

Account Research $20.00 per hour (60 minutes) - one hour minimum
ACH (Automated Clearing House) Overdraft Fee $30.00 per item
ACH Revocation Request $25.00 per item
American Express Gift Card $3.95 per card
ATM Transaction Fee:
    Withdrawals $1.00 each if using another institution's ATM
    Transfers $0.50 each if using another institution's ATM
    Account Inquiries $0.50 each if using another institution's ATM
Automatic Transfer
(NSF Share to Share Draft)
$5.00 per transfer
Automatic Transfer
(NSF Line of Credit to Checking)
$5.00/day transfers occur
Bad Address Fee $5.00 per month (60 days after returned mail)
Card Reissuance Fee (ATM, Debit or Credit) $5.00 per card
Cashier's Checks $3.00 per check
Check By Phone $7.95 per check
Courtesy Pay Fee $30.00 per item
Check Printing Prices may vary based upon style
Choice Checking Change Fee $10.00 per choice change
Christmas Club Penalty $10.00 each withdrawal from the
1st through 3rd calendar quarters
Debit Card Overdraft Fee $30.00 per item
Deposited Items that are returned $20.00 per item
Dormant Accounts (Applies to members 19 years or older) $10.00 per month if no activity after 2 years and balance is less than $25.00
Excessive Share Account Withdrawal Fee $2.00 per share withdrawal after the 3rd monthly withdrawal
Inactive Checking $3.00 per month after 12 months of inactivity and balance is less than $100
Insufficient Funds (NSF) $30.00 per item
Legal Order Processing Fee $50.00
Member Service Fee $1.00 per call that could have been handled by
Online Banking or Telephone Banking*
Minimum Share Balance Charge $5.00/Month - Charged the end of each month if account balance falls below $100.00 with no other services and no ACH EFT Activity. For members 19 years of age and over. Account must be opened 90 days before fee is applied.
Monthly Service Charge
    Money Market $10.00 each month if minimum daily balance is less than $2,500
    Premium Money Marlet $15 each month if the minimum daily balance is less than $10,000
    Choice Checking with Interest $7.00 each month that the minimum $2,500 daily balance is not met
    e-Checking $7.00 each month
Overdraft Transfer Fee $5.00 transfer fee will be assessed on the day you overdraw your account
Service Center Share Withdrawal Fee $2.00 per share withdrawal after the 2nd monthly withdrawal
Share Draft (Check) Copies $3.00 per check
Statement Copies $5.00 per copy
Stop Payment Requests $25.00 per request
Traveler's Checks
(for check 1 & 2)
$2.00 per $100.00
Wire Transfers:
    Incoming $15.00 per transfer
    Outgoing $15.00 per transfer

*The member service fee will be waived for those members who have combined account balances (loans and deposits) under the same member number of $5,000.00 or more.

The costs of the share drafts vary depending on the quantity and style chosen. For additional information on the costs and availability of share draft forms, please contact one of our account representatives.

The costs of safe deposit boxes vary depending on the size chosen. For additional information on the costs and availability of safe deposit boxes, please contact one of our account representatives.

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