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Revised April 2014

ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES

This Electronic Fund Transfer disclosure does not apply to any accounts other than consumer accounts, as defined by Regulation E. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or draft to an electronic fund transfer or to electronically pay a returned check or draft charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and credit union information. This information can be found on your check or draft as well as on a deposit or withdrawal slip. Thus, you should only provide your credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds transfers. Examples of these transfers include, but are not limited to:

Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your share draft or share savings account(s).

Preauthorized payments. You may make arrangements to pay certain recurring bills from your share draft or share savings account(s).

Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills.

Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds.

Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts.

Teachers P.A.L. Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (800) 284-4725 or (574) 232-4714 using your personal identification number (PIN), a touch tone phone, and your account numbers, to:

Transfer funds from share draft, share savings, line of credit, Money Market, or secondary share accounts to share draft, share savings, Money Market, secondary share, or TCU consumer loan accounts

Make payments from share draft, share savings, Money Market, or secondary share accounts to loan accounts with us

Get balance information about share draft, share savings, line of credit, term share, Money Market, or TCU loan accounts

Get withdrawal history about share draft, share savings, line of credit, Money Market, secondary share, or TCU consumer loan accounts

Get deposit history about share draft, share savings, line of credit, Money Market, or secondary share accounts

Get transaction history about share draft, share savings, line of credit, Money Market, or TCU loan accounts

Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.

ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your Teachers P.E.T. ATM Card and personal identification number (PIN) or Debit MasterCard and personal pin number (PIN), to:

Make deposits to share draft, share savings, or Money Market account(s)

Get cash withdrawals from share draft, share savings, Money Market, or line of credit account(s) - you may withdraw no more than $200 per day (or the amount disclosed to you personally)

Transfer funds from share draft, share savings, or Money Market account(s) to share draft, share savings, Money Market, or TCU loan account(s)

Make payments from share draft, share savings, or Money Market account(s) to loan accounts with us

Get balance information about share draft, share savings, or Money Market

Some of these services may not be available at all terminals.

Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.

Types of Debit MasterCard Point-of-Sale Transactions - You may access your share draft account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that you can do with a credit card (that a participating merchant will accept with a credit card).

Point-of-Sale Transactions - dollar limitations - Using your card: you may not exceed $1,500.00 in transactions per 2-day period (other limits may apply)

Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions.

Currency Conversion and International Transactions. When you use your Debit MasterCard at a merchant that settles in currency other than U.S. dollars, the charge will be converted into the U.S. dollars is either a rate selected by MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate MasterCard itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

MasterCard charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. In either case, we pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside of the USA.

Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

PIN-less Debit Transaction Processing. We have enabled PIN-less debit transaction processing. This means you may use your TCU Debit MasterCard on a PIN-Debit network* (a non-MasterCard network) without using a PIN.

The PIN-less debit network(s) for which such transactions are enabled are:

STAR and NYCE Networks.

Examples of the types of actions that you may be required to make to initiate a MasterCard transaction on your TCU Debit MasterCard include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal.

Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit network include initiating a payment directly with logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN.

The provisions of your agreement with us relating only to MasterCard transactions are not applicable to PIN-less transaction. For example, the additional limits on liability (sometimes referred to as MasterCard zero-liability program) and the streamlined error resolution procedures offered on TCU Debit MasterCard transactions are not applicable to transactions processed on a PIN-Debit network.

TCU Text Message Banking Services Terms and Conditions. By participating in the Text Message Banking Services program hosted by Intuit Financial Services, you are agreeing to the Terms and Conditions presented here; message and data rates may also apply to use this service. For help text "HELP" to the short code listed on the website. To cancel your text message banking service, text "STOP" to 454545 at any time. You can also cancel the service by logging into Internet Banking, going to the Mobile Banking & Alerts tab, and deactivating the service. In case of question please contact member service at memberservices@tcunet.com or call 800-552-4745. This service is provided under the terms of the privacy policy provided by TCU.

TCUNET (Internet and Texting) Computer Transfers - types of transfers - You may access your account(s) by computer through the Internet by logging onto our website at www.tcunet.com and using personal identification number (PIN) and your account numbers, to:

Transfer funds from share draft, share savings, line of credit, Money Market, or secondary share accounts to share draft, share savings, Money Market, secondary share, or TCU consumer loan accounts

Make payments from share draft, share savings, Money Market, or secondary share accounts to loan account(s) with us

Make payments from share draft to third parties using the Bill Payment

Get balance information about share draft, share savings, line of credit, term share, Money Market, or TCU loan accounts

Get withdrawal history about share draft, share savings, line of credit, Money Market, secondary share, or TCU consumer loan accounts

Get deposit history about share draft, share savings, line of credit, Money Market, or secondary share accounts

Get transaction history about share draft, share savings, line of credit, Money Market, secondary share, or TCU loan accounts

Please also see Limitations on frequency of transfers section regarding limitations that apply to computer transfers.

Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

During any month, you may not make more than six withdrawals or transfers from share savings or money market account(s) to another credit union account of yours or to a third party by means of a preauthorized, automatic, telephonic order or instruction, or computer. No more than three of the six transfers may be made by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union

For security reasons, there are other limits on the number of transfers you can make by ATM

For security reasons, there are other limits on the number of transfers you can make by telephone

For security reasons, there are other limits on the number of transfers you can make by debit card

For security reasons, there are other limits on the number of transfers you can make by computer.

FEES

We do not charge for direct deposits to any type of account.

We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers

ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer)

 

DOCUMENTATION

Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using an automated teller machines or point-of-sale terminals.

Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (574) 284-6247 to find out whether or not the deposit has been made

Periodic statements. You will get a monthly account statement from us for your share draft accounts. You will get a monthly account statement from us for your share savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

PREAUTHORIZED PAYMENTS

Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:

Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.


 

FINANCIAL INSTITUTION'S LIABILITY

Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

(1) If through no fault of ours, you do not have enough money in your account to make the transfer.

(2) If you have an overdraft line and the transfer would go over the credit limit.

(3) If the automated teller machine where you are making the transfer does not have enough cash.

(4) If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.

(5) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

(6) There may be other exceptions stated in our agreement with you.

 

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:

(1) Where it is necessary for completing transfers; or

(2) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or

(3) In order to comply with government agency or court orders; or

(4) As explained in the separate Privacy Disclosure.

 

UNAUTHORIZED TRANSFERS

(a) Consumer liability.

Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check or draft. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone used your card and/or code without your permission. (If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission.)

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Additional Limit on Liability for TCU Debit MasterCard. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen TCU Debit MasterCard. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by MasterCard, or to commercial cards.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this brochure. You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check or draft without your permission.

 

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this disclosure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

(1) Tell us your name and account number (if any).

(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (5 business days for Debit MasterCard point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Debit MasterCard point-of-sale transactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.


You may ask for copies of the documents that we used in our investigation.

TEACHERS CREDIT UNION
110 SOUTH MAIN STREET
SOUTH BEND, INDIANA 46601
Business Days: Monday through Friday
Except Holidays
Phone: (574) 284-6247 or (800) 552-4745
E-mail: webmaster@tcunet.com

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

MEMBER RESPONSIBILITY

You further agree that you will be the only one to use the Teachers ATM/Debit MasterCard assigned to you, and that you will not divulge, give, disclose or make available to any other person, even Teachers Credit Union employees, your Personal Identification Number either directly or indirectly at any time.

Personal Identification Number - Teachers Credit Union will issue to you a Personal Identification Number to be used with your Teachers ATM Card or Debit MasterCard and you agree not to carry your secret Personal Identification Number with you at the same time as you carry your card. You further agree to use your best efforts to memorize your Personal Identification Number.

DEBIT MASTERCARD REBATE DISCLOSURE

Eligibility-The Rebate Program is available to Members in good standing who have one of the following cards: Teachers Credit Union Debit MasterCard and Teachers Credit Union Health Savings Account Card, (hereinafter referred to as "Check Cards") are automatically enrolled in the Rebate Program (hereinafter referred to as "Enrolled Members"). Business or corporate membership accounts, and special or promotional share draft accounts are not eligible for this Rebate Program. Program Eligibility is subject to change.

Check cards are issued to make debit card transactions on a Member's Membership Account and sub-accounts, including shares and share draft accounts ("Membership Account"). All Membership Accounts must be in good standing, to participate in the Rebate Program; and all of the Member's loans ("Loan Accounts") must be in good standing.

Rebate-Rebates are earned on "Eligible Signature Purchases" made with the Check Card to make purchase transactions that require a Member (personal) signature. Rebates are not earned on cash advances, returned purchases, balance transfers, Automated Teller Machine (ATM) transactions or transactions made using a Personal Identification Number (PIN).

Enrolled Members must spend $6,000.00 in Eligible Signature Purchases, in a calendar year*, to qualify for the Rebate Program. Once the $6,000.00 annual minimum is met, Enrolled Members will earn a Rebate equal to .50% of the entire amount of Eligible Signature Purchases for goods and services paid for with your TCU Debit MasterCard, up to a maximum annual cash rebate amount of $500.00.

Rebate Redemption-Rebates may be redeemed any time the accumulated rebate balance reaches a minimum of $30.00. Rebates may be redeemed: online, by visiting Teachers Credit Union's Premium Services Site at https://www.tcunet.com; in person, by visiting the nearest service center location; or, by sending a written request to Teachers Credit Union Member Services Department, P.O. Box 1395, South Bend, Indiana 46624-1392.

Maximum Annual Rebate: $500.00.

Rebate Redemption for Affiliate Transactions-"Affiliate Transactions" include the following Teachers Credit Union or TCU affiliate transactions: closing costs on a new mortgage or home equity loan; first payment on a new consumer loan originated at a Teachers Credit Union Service Center; opening a new IRA Account; travel services through TCU Travel; or a contribution to TCU Foundation, Inc. If a cash rebate is applied to an Affiliate Transaction, the rebate amount will be doubled. Affiliate Transactions are subject to availability.

Maximum Annual Rebate Redemption for Affiliate Transactions: $1,000.00.

Forfeiture-All Rebates expire three (3) years from the end of the Calendar Year, in which they are earned.

Other Terms and Conditions-Statements-Information about the Debit Card Rebate Program will be available online or on periodic account statements.

Rebates may only be redeemed if the Member is in good standing with Teachers Credit Union. Rebates will not be redeemed if: the Member's Check Card is closed; any Member's loan is in default; or the Member owes Teachers Credit Union money for fees or negative balances. If any of the foregoing occurs the rebate will expire immediately and will not be available for redemption.

Rebates are non-negotiable and non-transferable. Teachers Credit Union reserves the right to disqualify any person from participation in the Rebate Program if, in Teachers Credit Union's sole judgment, that person or another person has violated the Rebate Program Rules or the By-laws of Teachers Credit Union.

Teachers Credit Union also reserves the right to amend or terminate the Rebate Program at any time, upon thirty (30) days written notice. If the Rebate Program is terminated, Enrolled Members will be granted twelve months, from the Program termination date, to redeem the Rebate.

Rebate redemptions may subject Enrolled Member to tax liability.

*Effective September 1, 2009 the rebate will be calculated on a Calendar Year basis. The deadline for the 2008-2009 Account Year will be extended to December 31, 2009. Thereafter, the Rebate will be calculated on a calendar year basis.

 

YOUR ABILITY TO WITHDRAW FUNDS

This policy statement applies to all accounts.

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

 

LONGER DELAYS MAY APPLY

Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The first $200 of your deposits, however, may be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid

You deposit checks totaling more than $5,000 on any one day.

You redeposit a check that has been returned unpaid.

You have overdrawn your account repeatedly in the last six months.

There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new member, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash made in person to one of our employees, wire transfers, checks drawn on Teachers Credit Union or a branch of Teachers Credit Union that is located in the same state or check processing region as Teachers Credit Union, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit. Also, funds from deposits of cash not made in person to one of our employees will not be available until the second business day after the day of your deposit

Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

DEPOSITS AT AUTOMATED TELLER MACHINES

Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will be available on the second business day after the day of deposit, except that U.S. Treasury checks that are payable to you will be available on the first business day after the day of deposit. Also, the first $200 of a deposit will be available on the first business day after the day of deposit. Checks drawn on Teachers Credit Union will be available on the first business day after the day of deposit if the deposit is made at an ATM located on our premises.

Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the day of your deposit.

All ATMs that we own or operate are identified as our machines.

INTERNET BANKING

Teachers Credit Union ("TCU") does not share your personal (non-public) information with non-affiliates. However, if you elect to participate in the On-line Banking Rewards Program, you are granting to TCU and its Home Banking Vendor, Intuit, the right to give third parties or merchants your geographic location (City and State) or other data we have collected and stored in aggregate, in order that Merchants may provide your rewards coupons. Please review the attached Disclosure for more information about this program. You may opt out of the Rewards Program by clicking on the "Stop receiving all offers" link on the rewards summary page. This link can be found in the upper right part of the rewards summary page. If you opt out of the rewards program at this time but change your mind later, please contact Teachers Credit Union at (800) 552-4745 and we will resume providing offers to you.

View Teachers Credit Union's complete privacy statement at www.tcunet.com


FEE SCHEDULE COMMON FEATURES

CHANGES IN BOLD ITALICS

Bylaw requirements: You must complete payment of one share in your Primary Share account as a condition of admission to membership. If at any time your balance falls below the par value of one share and you do not increase the balance to at least the par value of one share within ninety day(s) of the reduction, you may be terminated from membership.

Transaction limitation - We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by regulation D.

Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors. (This disclosure further explains the dividend feature of your non-term share account(s).)

National Credit Union Share Insurance Fund - Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

Non-sufficient Funds (NSF) Item - is an ATM, ACH, Debit Card, preauthorized withdrawal or share draft withdrawal request, which is returned, without payment, due to insufficient funds.

Overdraft Item - is an ATM, ACH, Debit Card, preauthorized withdrawal or share draft withdrawal request, which is honored, but which overdraws the account balance.

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Membership entrance fee $7.00
ATM/Debit Fees
ATM card service fee
Except if you have one of the following relationships with TCU:
An average monthly total deposit balance greater, than or equal to
$200 or Direct Deposit (net pay or ACH) or the primary member is
22 years of age or younger or a TCU loan

$2.00/month
 
ATM cash withdrawal dollar limit-
$200 per day, or the limit disclosed to you personally
   
ATM foreign transaction fee (at non-proprietary ATMs) $1.00  
ATM Overdraft Fee - Within a calendar year beginning on January 1st
First Overdraft item
Second Overdraft item
Third Overdraft item
Fourth and Each Additional Overdraft item

$27.00
$30.00
$30.00
$33.00
Replacement of lost or stolen debit or ATM card $5.00
Debit Card Overdraft Fee - Within a calendar year beginning on January 1st
First Overdraft item
Second Overdraft item
Third Overdraft item
Fourth and Each Additional Overdraft item

$27.00
$30.00
$30.00
$33.00
 
Debit card purchase from share draft account(s) dollar limit
    $1500/2 day period (other limits may apply)
 
Share Draft Fees
Share Draft Overdraft Item Fee - Within a calendar year beginning on January 1st
First Overdraft item
Second Overdraft item
Third Overdraft item
Fourth and Each Additional Overdraft item


$27.00
$30.00
$30.00
$33.00
 
Share Draft NSF Fee - Within a calendar year beginning on January 1st
First NSF item
Second NSF item
Third NSF item
Fourth and Each Additional NSF item

$27.00
$30.00
$30.00
$33.00
 
Share Draft Stop Payment Fee, per item $33.00
Deposit item, returned for non-payment, per item $15.00
Temporary Draft, each $0.25
Draft printing fee depends on style of draft ordered
Copy of Draft, per item $1.00
Share Draft Certification, per item $5.00
Share Draft Account Reopen (if reopened within 12 months of closed date) $25.00
Cashiers Draft Fees
Cashiers Draft, each check
Except Checks $1000 or more, checks made payable to TCU, TCUsubsidiaries and TCU Credit Cards

$5.00
Cashiers Draft Declaration of Loss
Cashiers Draft voided, per item
Any cashier's draft not submitted for payment within 90 days will
be voided and this fee charged to the member that Purchased the check
$30.00
$2.00
ACH Fees
ACH Overdraft Item Fee - Within a calendar year beginning on January 1st
First Overdraft item
Second Overdraft item
Third Overdraft item
Fourth and Each Additional Overdraft item


$27.00
$30.00
$30.00
$33.00
ACH NSF Item Fee - Within a calendar year beginning on January 1st
First NSF item
Second NSF item
Third NSF item
Fourth and Each Additional NSF item

$27.00
$30.00
$30.00
$33.00
ACH Stop Payments, per item $33.00
Preauthorized Withdrawal NSF Fee - Within a calendar year beginning on January 1st
First NSF item
Second NSF item
Third NSF item
Fourth and Each Additional NSF item


$27.00
$30.00
$30.00
$33.00
Telephone Fees
Telephone access to transaction history, per inquiry
History limit of the last 5 transactions from share draft account,share savings account, line of credit, Money Market account or TCU loan
Telephone Transfer, per call
Except if the transfer is to TCU subsidiaries, to pay any TCU loan,or between different member numbers

$2.00


$2.00
Wire Transfer Fees
Domestic wire transfer (outgoing)
Foreign wire transfer (outgoing)
Incoming wire transfer
Western Union

$30.00
$50.00
$10.00
fee based on amount of wire
IRA Fees
IRA Service Fee
If account closed within 90 days of opening
IRA Share Account Service Fee, per year
If systematic deposits of $25.00 per month are not maintained

$50.00

$24.00

Bill Payment Fees
Except Student Share Draft Accounts, IU Checking Accounts, eChecking Accounts or members having direct deposit or a total deposit balance in your membership greater than $5,000 as of the 25th of the month
Bill Payment Service Fee, per month
Bill Payment per item fee for every item over 10 per month

Bill Payment Stop Payments, per item





$4.75
$0.35

$33.00
Check Cashing and Negotiating Fees
Except members having an open share draft, total share
balance greater than $250, any open loan, direct deposit, and members under the age of 23, cashing a TCU Cashiers Check or cashing a TCU draft
Checks $99 and less, per check
Checks $100 to $499, per check
Checks $500 to $999, per check
Checks $1000 to $4,999, per check
Checks $5000 and over, per check




$3.00
$5.00
$10.00
$20.00
$50.00

Other Fees
Membership Inactivity fee, per month 

 

[Inactivity means no member contact to perform a financial transaction, such as a deposit or withdrawal, in the Membership Account (Share/Share Draft/Special Shares) for the preceding twelve months. The Inactivity Fee is waived for a Membership Account with a primary member who is under the age of 18; or a Membership Account with an open Health Savings Account (HSA), Individual Retirement Account (IRA), Share Certificate or deposit balance of $10,000 or greater, or a loan on the 25th of the month. The Inactivity Fee will first be assessed against any Share Draft Account, Money Market Share Draft Account, Primary Share Account (down to $5.00), Secondary Share Account, Money Market Share Account, Primary Share Account (down to $0.00) and close. Activity does not mean the posting of a dividend or assessment of a fee.]

 

 


$5.00
Account activity printout
Account balancing assistance, per hour
Copy of statement (excluding HELOC statements), each
Photocopy, per page
Fax (incoming/outgoing), per page
Safe Deposit or Deposit Boxes
Escheated account processing fee
Foreign Check item processing fee, per item
TCU Visa Gift Card
Replacement 1098, 1099, or 5498
Levy, Garnishment, Attachment fee
Expedited Payment fee
$2.00
$20.00
$4.00
$0.25
$2.00
varies by size
$30.00
$10.00
$2.00
$4.00
$20.00
$10.00

 

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