Fee Schedule

TOPCU is a not-for-profit, member-owned financial services cooperative. Earnings are returned to member owners by providing many free and low cost services, and by offering low rates on loans and high yields on savings and investments.

ATM/Debit Fees

ATM / EFT Correction Fee (Per Occurrence)	$2
Out of Network ATM Fees	$2
International Transaction Fee (in U.S. Dollars)	1% of each transaction
Lost Card Replacement (Debit, ATM)	$10

Checking and Money Market Account Fees

Temporary Checks	$1 per four
Stop payment	$10
Mission Checking (Per Month)	$20
Check Printing	Actual Cost
Share Overdraft Transfer over 6 a Month	$5 per month

Overdraft Tolerance Fees

Transaction Amounts from $0.00 to $10.00	No Fee
Transaction Amounts from $10.01 to $30.00	$15
Transaction Amounts from $30.01 and Up	$30

Real Estate Fees

Subordination Fee	$250
Release & Re-conveyance Fee	Actual Cost
Late Fee	The greater of 5% of late Payment or $10
Home Equity Processing Fee	$99
Home Equity 3rd Party Fees	Actual Cost
1st Position Mortgages 3rd Party Fees	Actual Cost
1st Position Mortgage Origination Fee	1% of Loan Amount
1st Position Mortgage Processing Fee	$790

Safe Deposit Box Fees

Safe Deposit Box	Varies
3 x 5	$20
3 x 10	$45
5 x 5	$30
5 x 10	$60
10 x 10	$100
Safe Box Drilling Fee	Actual Cost
Safe Box Lost Dey (Duplicate Key)	$20

Credit Card Fees

Cash Advance Fee	2% a with minimum of $10
Late Payment Fee	Up to $25
Returned Payment Fee	Up to $25
Finance Charge Adjustment	$10
Design Your Own Card	$10 per card
Foreign Transaction Fee	2.00% of each transaction in U.S. dollars

Service Fees

Returned Item (NSF) Fee	$32
Express Delivery Charge	Cost + $10
Research, Reconciliation (including checkbook), Legal Process Fee (for Receipt of Levies, Tax Liens, Attachments, Subpoenas, Garnishments, .)	$20/hour (1-hour min)
Fax/Copy Fee (Per Page)	$2
Wire – Domestic (Outgoing)	$20
Wire – International (Outgoing)	$42
ACH Origination Fee (One-time Payment)	$10
ACH – Recurring (Set Up Fee) First Time Waived	$10
ACH – Recurring (Change Fee)	$10
Manually Posted Check or Electronic Item	$10
Debit Card Fee (one-time payment)	$10
Debit Card- Recurring (Set Up Fee) First Time Waived	$10
Debit Card – Recurring (Change Fee)	$10
Pay by Website Fee	$5
Pay by Phone Fee	$10
Notary – Not Credit Union Required (e.g. No fee for TOPCU Mortgage and Trust Documents)	$2 per signature
Returned Deposit Items – 1st Party	$32
Returned Deposit Items – 2nd Party	$15
International Collection Items	$20 + Foreign Bank Fee
Check Copy	$2
Copy of Official Check	$2
Official/Cashier’s Checks	$5
Money Order	$1
Statement Copies / History Printout	$2
Paper Statement Fee	$$2.50 / month

General Fees

Escheated Account Fee	$50
Dormant Fees – Assessed after 12 Months of Inactivity (Minors Excluded)	$5
Account closure fee (Less than 90 days)	$10
Invalid Address (Returned Mail)	$5
IRA Transfer or Closure	$25

Non-Member Fees

Check Cashing Fee (on us)	$10
TOPCU Official Check Cashing	$15
Coin Machine Fee	5% per transaction
ATM Withdrawal	$3
Merchant Fee for non-portal loan processing	$250

Loan Fees

Processing Fee (charged per procedure)	$20
All 3rd Party Fees	Actual Cost
Electronic Emergency Lien Release Fee	$15
Paper Emergency Lien Release Fee	$30
Loan Late Payment Fees – Consumer	Greater of 5% of late payment or $10
Skip a Pay	$30
Non-Compliance Fee	Monthly 1% of loan balance per loan contract
Due Date Change Fee	$30
Rate Buy Down Fee	10% or 15% of loan amount based on rate sheet
Solar and Green Loan Processing Fee	$250
Solar Loan Refinance Fee	$75
Processing and Document Fee for Secured Personal Loan	$120

Business Account Fees

Fee Description	Business Basic	Business Plus
Monthly Fee	$0	$10
Minimum Balance	$0	$2,500 (min. balance waives fee)
Transaction Fee	First 100 free, then $0.10 each (per month)	First 500 free, then $0.10 each (per month)
Bill Pay Fee	$10 per month	$10 per month
Currency Order/Exchange	$2	$2
Currency Order – Coin	$0.10 per roll	$0.10 per roll
Currency Order – Cash	$0.50 per strap	$0.50 per strap
Paper Statements	$2.50 per month	$2.50 per month
Coin Machine	2% of total deposit	2% of total deposit
Money Order	$1	$1
Official Check	$5	$5
Counter Checks	$1 per page	$1 per page
Copies	$2 per page	$2 per page
Check Copies	$2	$2
Statement Copy	$5	$5
Local/Long-Distance Fax	$2 per page	$2 per page
Domestic Wire	$20	$20
International Wire	$42	$42
Deposit Correction	$5	$5
Returned Deposit Item – 1st Party	$32	$32
Returned Deposit Item – 2nd Party	$15	$15
Non-Sufficient Funds (NSF)	$32	$32
Overdraft from Shares	First 6 free, then $5 per month	First 6 free, then $5 per month
ATM Usage	Free In-Network, $2 Out-of-Network	Free In-Network, $2 Out-of-Network
ATM/Debit Card Replacement	$10	$10
ATM/Debit Card Replacement – Rush	$10 plus priority shipping	$10 plus priority shipping
Escheated Account Fee	$50	$50
Dormant Fee (assessed after 12 months of inactivity)	$5	$5
Account Closure Fee (less than 90 days)	$10	$10
Invalid Address (Returned Mail)	$5	$5
Notary- Not Credit Union Required (e.g. No fee for TOPCU loans)	$2 per signature	$2 per signature
Research, reconciliation (including checkbook), Legal Process Fee (for receipt of levies, tax liens, attachments, subpoenas, garnishments etc.)	$20 per hour (1 hour min.)	$20 per hour (1 hour min.)

Commercial and Member Business Loan Fees

Origination Fee		.25% to 2.5%
In-House Appraisal Fee		$250
Late Fee		5% of Payment Amount after 10 Days
All 3rd Party Fees		Actual Cost
Commercial Document Fee		$450
MBL Document Fee		$250
Prepayment Penalty–based on current loan balance		3% yr 1, 2% yr 2, 1% yr 3

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