Fee Schedule
Effective November 15, 2022 and subject to change.
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
| Miscellaneous | |
|---|---|
| Membership Fee | FREE! |
| ID Theft Protection Service (monthly) | $1.50 |
| Paper Statement Fee (monthly — excludes Youth Accounts and Credit Cards.) | $4.00 |
|
Photocopy of Statement |
$2.00 |
| Account Activity Printout | $2.00 |
| Copy of Check | $2.00 |
| Loan Payment by Phone (each pmt.) | $5.00 |
| Stop Payment (each item) | $32.00 |
| Non-Sufficient Funds (each item) | $32.00 |
| Uncollected Funds (each item) | $32.00 |
| Courtesy Pay (each item) | $32.00 |
| Checking Account Fee (monthly): | |
|
Interest Checking* |
No Monthly Fee |
| Average Daily Balance of $1,000 or more | No Monthly Fee |
| Min $500 Direct Deposit & eStatements | No Monthly Fee |
| Basic Checking | $5.00/month |
|
Overdraft/Reg D Fee |
|
|
RTP Credit Union (RTP CU) limits pre-authorized, automated or telephone transfers/withdrawals from a Savings Account to six each month. The first two are free. After the first two transfers, you will be charged a fee per transfer/withdrawal. The categories of transactions for which this fee may be imposed are those by any of the following means: Withdrawals and transfers (pre-authorized, automatic, scheduled of recurring) from a Savings Account using Home Banking. Touchtone Teller, call center, email, fax or other electronic means. There are no limits or fees associated with transfers/withdrawals from a Savings Account at an ATM, branch, in-person and by mail. There is no limit on transfers from Savings to make loan payments. |
|
| First 2 | Free |
| After 2 (each) | $13.00 |
| Check Cashing Fee | $7.50 per occurrence |
| Applies to non-members and to members who only have a Regular Share Account with <$5,000.00 balance. | |
| Special Handling Fee (each item) | $20.00 per item |
| Replacement Card (Visa® Debit and Credit Card) | $20.00 |
| Money Order | $1.00 |
| Returned Deposits/Payment/Drafts | $32.00 |
| Collection Items | $5.00 + Cost |
| Account Research or Assistance | $25.00/hour |
| Returned Mail | $3.00 |
| Missing Auto Title Fee (after 90 days) | $100.00 |
| Wire Transfers (incoming or outgoing) | |
|---|---|
| Domestic | $30.00 |
| Foreign | $65.00 |
| ATM Fees |
|---|
| All transactions done at an ATM owned by RTP Federal Credit Union are free. |
| Use Cash Points (State Employees Credit Union's terminals) without having to pay surcharges. Click here for no-surcharge ATMs in your area. |
|
Use any Star or Plus ATM terminal to obtain cash. However, you are always subject to the ATM terminal's surcharge, if any apply. |
| Use your Visa Debit Card for retail purchases with no fees or limits! Ask for cash back to avoid ATM surcharges and fees (grocery stores, retail, gas stations, drug stores, etc.) |
| In addition to surcharges the ATM terminal may charge, cardholders are subject to transaction fees at ATMs not owned by RTP Federal Credit Union (Cash Points, Star or Plus ATM terminals). After 5 ATM transactions (withdrawals, transfers or inquiries) each month, RTP FCU charges $0.75 for each additional transaction. |
| Electronic Service Fees | |
|---|---|
| TouchTone Teller | Free/Unlimited |
| Home Banking | Free |
| Bill Payment | Free with eStatements |
| without eStatements | $4.95/month with unlimited transactions |
| Visa® Debit Card | No Monthly Fee |
| Unblock Card Fee | |
| First Time | Free |
| After First Time | $10.00 |
| Card Replacement Fee | $20.00 |
| Safe Deposit Box Fees | |
|---|---|
| Annual Rent by Box Size | |
| 3" X 5" | $35 |
| 3" X 10" | $50 |
| 5" X 10" | $65 |
| 10" X 10" | $85 |
| Loss of One or More Key | $150 |
| Late Payment Fee | $15 |
| Low Participation Fee | |
|---|---|
| An account is subject to the monthly low participation fee if there is no activity during a 6 month period and combined share account balances (Regular Share, Checking, Money Market, Christmas Club, and Vacation Club) are less than $200. This fee will not be charged for accountholders under 18 years of age nor will it apply to Teen and Kid accounts. Members who have a certificate of deposit, IRA or loan are also excluded. | |
| Low Participation Fee | $10.00/month |
| Early Close Fee | |
|---|---|
| Applies to new members who close out their membership within the first 90 days. | |
| Early Close Fee | $15.00 (one time) |
| Non-Member Fees (FREE for Members) | |
|---|---|
| Notary Service | $5.00 per signature |
| Official Check | $3.00 per check |
