Teachers Credit Union - Fee Schedule

2315 Prairie Ave., Beloit, WI 53511

Credit Union Hours are as follows:

Monday-Thursday
9:00 am to 5:00 pm

Friday
9:00 am to 5:30 pm

Saturday--Drive Up
Only
9:00 am to 12:00 pm

TEACHERS CREDIT UNION - Fee Schedule and Truth in Savings Disclosure
Fee Schedule Effective October 1, 2007
The Following fees may be assessed in connection with your account:
FEES APPLICABLE TO ALL ACCOUNTS:
Account Reconciliation Fee		$25.00 per hour
Statement Copy Fee		$3.00 per page
Dormant Account Fee		$2.50 per month
Wire Transfer Fee		$35.00 per transfer
ACH Insufficient Funds Fee		$25.00 per item
Returned Item Fee		$25.00 per item
Collection Item Fee		$25.00 per item
Tellers Draft Fee		$0.00 to self $2.00 per draft to 3rd party
Account History Print Out		$2.00 per page
Foreign Draft Fee		$5.00 per draft
Returned Postage fee Negative Balance over 3 days		$2.50 per item $3.00 per day
Excess Transactions Fee (Over 6 per month)		$5.00 per transfer

SHARE DRAFT ACCOUNT:
Paid Insufficient Funds Fee		$25.00 per draft
Draft Copy Fee		$3.00 per copy
Check Printing Fee		(varies on style)
Stop Payment - Single Draft		$25.00 per draft
Stop Payment - Block 2 or more		$35.00 per block
Stop Payment - Tellers Draft		$25.00 per draft
Temporary Replacement Drafts		$1.00 per pack of 8
Account Closed Due to Excessive NSF		$30.00
Returned Insufficient Funds Fee		$25.00 per draft
IRA ACCOUNT FEES:
IRA Early Withdrawal Fee		$50.00 per early withdrawal

JUNIOR SAVERS ACCOUNT FEES:
Membership Fee (1 Time Fee)		$1.00 per account


DEBIT CARD FEES:
Annual Debit Card Fees		$12.00 per account
Replacement of Debit Card		$10.00 per card
Debit Card Insufficient Funds Fee		$25.00 per item
Debit Card PIN Reminder Fee		$5.00 per reminder
CREDIT CARD FEES: Document Copy Late Payment Over Limit Card Replacement Return Check Fee		$5.00 item $25.00 per month $25.00 per month $10.00 Card $25.00 item
CHRISTMAS CLUB ACCOUNT FEES:
Christmas Club Withdrawal Fee		$5.00 per withdrawal
(After first 7 Days the account is open)
Excess Transactions Fee		$5.00 per transfer
Returned Postage Fee:		$2.50 cents per item
Check Cashing Fee:		$5.00 per check under $750.00 $8.00 per check $750.01 or larger

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Truth in Savings Disclosure

THE FOLLOWING DISCLOSURES APPLY TO ALL ACCOUNTS SHOWN:

Balance Computation Method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in your account each day.

Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account.

Nature of Dividends: For all accounts except share certificate accounts, dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.

National Credit Union Share Insurance Fund: Member Accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

Minimum Balance Requirement: the minimum balance to open any account is the purchase of a $5.00 share in the Credit Union.

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PRIVACY POLICY

INTERNET BANKING AGREEMENT