Fee Schedule

Account Service Fees
- New Account Closed < 30 Days $5.00
- Dormant Account Fee $10.00 per month
- Abandoned Property Fee $100.00 per account
Address Correction
- Returned Mail / Incorrect Address $5.00 per item
- Address Search Fee $10.00
General Services Fees
- Account Reconciliation (no charge if under 1 hour) $10.00 per hour
- Account Research $10.00 per hour / $5.00 minimum
- Monthly/Quarterly Statement w/o home banking FREE
- Monthly/Quarterly Statement with home banking $5.00
- Monthly Quarterly Statement Reprint $5.00 per statement
- Account Printout $2.00
Home Banking / Bill Pay Accounts
 - Active Home Banking Account  FREE
 - Active Bill Pay Account  FREE
 - Inactive (3 mos or longer w/o a transaction) Home Banking Account  $10.00 per month
 - Inactive (3 mos or longer w/o a transaction) Bill Pay Account  $10.00 per month
 - Correct Member Home Banking Transfer Error $2.00
 - Bill Pay Stop Payment $25.00
Individual Retirement Accounts (IRA)
 - IRA Transfer / Rollover Fee  $25.00
 - IRA Termination Fee  $25.00
Loan Related Fees
 - Consumer Loan Late Fee  $15.00
 - Real Estate Loan Late Fee  $15.00
 - Duplicate Lien Release  $5.00
 - Overnight Currier Service  $25.00
 - Skip a Payment (available 1 time per calendar year 1/1 – 12/31)  $35.00
          (Real Estate and Visa Credit Card Payments not eligible)
 - Loan Application Cancellation after Approval Notification  $15.00
 - Duplicate Discharge of Mortgage  $10.00
Miscellaneous Fees
 - Notary Fee (Member)  FREE
 - Notary Fee (Non Member)  $2.00
 - Photo copies  $0.25 per page
 - Fax Service (Incoming)  $1.00 per page
 - Fax Service (Outgoing)  $2.50 first page
 $0.50 each additional page
 - Account Verification  $10.00
 - Legal Action Compliance (tax levies, orders, subpoenas, etc.)  $25.00
Non Sufficient Fund (NSF) Fees
 - Transfer from Share to Share to Cover NSF Item  $10.00 per transfer
 - Late Clearing NSF Item  $20.00 each
 - Returned Check / ACH / EFT due to NSF  $30.00 each
 - Paid NSF Item (Courtesy Pay)  $30.00 each
 - Overdrawn Account Due to EFT / ATM / ACH  $25.00 each
 - Member Deposited Item Returned (U.S.)  $30.00 each
 - Member Deposited Item Returned (Canadian)  $40.00 each
 - Redeposit NSF Check Fee  $20.00 each
Share Draft (checking) Account Fees
 - Share Draft Printing Prices vary per style
Transaction Fees
 - Credit Union Cashier’s Check  $2.00
 - Copy of Credit Union Cashier’s Check  $3.00
 - Money Order  $2.00
 - Copy of Money Order  $3.00
 - Check Cashing Fee (member)  FREE
 - Check Cashing Fee (non-member cashed by member)  $15.00
 - Inactive (3 mos or more w/o transaction) Account Check Cashing Fee  $5.00
 - Receipt Mailing Fee  $1.00
 - Share Draft (check) copy  $5.00
 - Stop Payment  $20.00 single check
 $50.00 series of checks
 - Foreign Deposit (Canadian) Items  $15.00
 - Rolled Coins  FREE <$100
 $5.00 >$100
 - Counter Checks  $2.00 sheet of 4
 - Visa Gift Cards  $3.00
 - Doing Business As (DBA) Accounts  $5.00 per month
 - Reg D Violation Fee (6 covered transactions allowed per month)  $15.00 per item
Visa Credit Card Fees
 - Visa Credit Card Replacement  $5.00
 - Visa PIN Number Replacement  $5.00
 - Late Payment Fee  $15.00
 - Over the Limit Fee  $15.00
 - Returned Payment Fee  $20.00
 - Monthly Statement Reprint  $5.00
 - Visa Draft Copy Request  $5.00
 - Visa Walk Thru (rush card)  $40.00
Visa Debit Card Fees
 - ATM Withdrawal (first 4 free)  $1.00 each
 - ATM Balance Inquiry  $1.00 each
 - Foreign Card Use @ Twin Rivers FCU ATM  $2.50 each transaction
 - Visa Debit Card Replacement  $5.00
 - Visa PIN Number Replacement  $5.00
 - Visa Walk Thru (rush card)  $40.00
Wire Fees
 - Incoming Wire Fee  $5.00
 - Outgoing Wire Fee (< $50,000)  $15.00
 - Outgoing Wire Fee (> $50,000)  $25.00