Fees & Terms
Regular Checking - Monthly Fees
Business Checking - Monthly Fees
$0 ($15.00 for Business Plus Checking if minimum balance is not met)
$30 per item without Overdraft Transfer Protection
Over-the-Counter Overdraft Fee
$30.00 per occurrence. These are personal checks cashed at a teller window that overdraw the checking account and the checking account doesn't have automatic Overdraft Transfer Protection.
Overdraft Transfer Protection
Service provided upon member request to transfer from designated shares or lines of credit at the time of overdraft with no fee. Inquire for more information.
$15.00 per hour
$30 per stop item/series
$1 per check or $25 per hour
Fee depends upon check style and may vary
Starter Check Fee
$1 per page (4 counter checks). No fee for new checking accounts.
Withdrawals and Transfers
First 4 non-FFCU ATM withdrawals/ transfers are FREE then $2 per such transaction in a calendar month.
If the member has Choice Checking and fulfills the monthly requirements, we will refund up to $25 in ATM fees per month.
Transaction Copy Retrieval
- Deposit To Establish Membership
$5 membership share
$15 per hour
Account Reopen Fees
$10 when reopened within 6 months
$25 per hour
$15 per verification
$1 per check or $25 per hour
$85 per garnishment received
Inactive Account Fee
$3 per month after two years of inactivity. Minors, IRAs and Certificates excluded.
$3.50 per card for regular, and $3.95 for reloadable
First five per month are free, additional checks $5 each
Online Bill Pay
Free when you sign up for E-Statements. Otherwise first 90 days are free, $4.95 per month thereafter.
Return Check Fee
$15.00 per check returned to Fibre Federal Credit Union
First month is free then $2.00 per month/quarter
Items sent for Collection (i.e.: foreign items, NSF, Bonds, Etc.)
$25.00 per item, plus any pass through costs
U-Transfer Return Item
Wire Fee Incoming
Wire Fee (Foreign) outgoing
$60.00 for active military
Wire Fee (U.S.) Outgoing
Waived for active military
$5.00 per account will be assessed monthly when mail has been returned as a result of an incorrect address.
$25 per approved loan payment skip request
$10 per non credit union related notary service
Grace Period for Purchases
You have one billing cycle (average 30 days) from the closing date of the statement to repay your balance for purchases before being charged a finance charge.
Grace Period for Cash Advances
There is no grace period for Cash Advances. Finance charges start accruing from the date of the transaction.
Annual Percentage Rate/Periodic Rate
10.5% Annual Percentage Rate/.028767% Periodic Rate
Balance Calculation Method for Finance Charges
Average Daily Balance (including current transactions).
No Annual Membership Fee.
Late Payment Fees
Up to $20
Card Replacement Fee
Returned Check Fee
Transaction Copy Retrieval
Any fees assessed for international authorizations obtained by telephone, fax, telex and cable will be passed onto the cardholder in the form of a fee.
The following applies to all checking accounts:
Regular Checking accounts must remain open all month to earn dividends for the month. If the stated minimum balance is not met for a day, dividends will not be earned for that day. Business Checking accounts must remain open all month to earn dividends for the month. If the stated minimum balance is not met for the day, dividends will not be earned for the month.
The following applies to all savings and certificates:
Regulation D: We are required to limit the following types of transfers from accounts to no more than six transfers per month: All preauthorized transfers to another account or to a third party (excluding transfers for payments or routine allocations of direct payroll deposit to your other accounts or family member accounts); and telephone transfers to another account or third party. If you exceed the transfer limitation your account may be subject to a suspension or closure.
The following applies to all accounts:
Each multiple account owner is jointly and severally liable to the credit union for any returned item, overdraft, or unpaid amount regardless of who benefited from the transaction. Account holders agree that any overdraft will be subject to conditions of the Uniform Commercial Code and applicable state law.
Any questions or objections concerning any item shown on a periodic statement shall be waived unless made in writing to the credit union on or before the twentieth day following the day the statement is mailed. Your right to dispute a forged item drawn on your account and paid by the credit union is waived if there is any negligence on your part in the handling of access devices related to the account.
Foreign Transactions: Purchases and cash advances made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions as established by Visa International, Inc. is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. In addition, you will be charged a foreign transaction fee of 1% of the transaction amount for any card transaction made in a foreign country.
Notice Under the U.S.A. Patriot Act
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We also may ask to see your driver’s license or other identifying objects.
This fee schedule outlines the conditions, fees, and charges applicable to your accounts at TLC. The credit union may offer other accounts, or amend the fees contained in this schedule from time to time. Each account holder agrees to the terms set forth in this schedule and acknowledges that it is part of the Membership Account Agreement. If you have any questions or need current rate or fee information on your accounts, please contact us or call the credit union at (360) 423-8750 or write to TLC, a Division of Fibre Federal Credit Union, PO Box 1234, Longview, WA 98632.
This Fees and Terms schedule constitutes agreement to the Account Rates.