Fees & Terms

  • Regular Checking - Monthly Fees

    Business Checking - Monthly Fees
    $0 ($15.00 for Business Plus Checking if minimum balance is not met)

    Overdraft/NSF Fees
    $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.

    Reconciliation Assistance
    $15.00 per hour

    Stop Payment
    $30 per stop item/series

    Check Copies
    $1 per check or $25 per hour

    Check Orders
    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.

    Card Replacement

    Transaction Copy Retrieval

  • Deposit To Establish Membership
    $5 membership share
  • Account Reconciling
    $15 per hour

    Account Reopen Fees
    $10 when reopened within 6 months

    Account Research
    $25 per hour

    Account Verification
    $15 per verification

    Check Copies
    $1 per check or $25 per hour

    Garnishment Fee
    $85 per garnishment received

    Inactive Account Fee
    $3 per month after two years of inactivity. Minors, IRAs and Certificates excluded.

    Cashier's Checks
    First five per month are free, additional checks $5 each

    Online Banking
    No Fee

    Return Check Fee
    $15.00 per check returned to Fibre Federal Credit Union

    Statement Copy
    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


    Wire Fee Incoming

    Wire Fee (Foreign) outgoing
    $60.00 for active military

    Wire Fee (U.S.) Outgoing
    Waived for active military

    Returned Mail
    $5.00 per account will be assessed monthly when mail has been returned as a result of an incorrect address.

    Skipped Payment
    $25 per approved loan payment skip request


  • 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).

    Membership Fees

    No Annual Membership Fee.

    Late Payment Fees

    Up to $20

    Card Replacement Fee

    $ 10

    Returned Check Fee

    $ 15

    Transaction Copy Retrieval


    Telecommunications Charges

    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:
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 Plus 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 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.