TOPCU 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 $2 per occurrence
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
Courtesy Pay $32
Temporary Checks $1 per four (4)
Stop Payment $10
Mission Checking $20 per month
Check Printing Varies
Share Overdraft Transfer – Over 6 Per Month $5 per month
Real Estate Fees
Subordination Fee $250
Release & Re-conveyance (Replaces Mortgage Payoff Fee) $25
Late Fee The greater of 5% of late payment, or $10
2nd Place Closed End Mortgage Application Fee $60
2nd Place Closed End Mortgage 3rd Party Fees Actual Cost
HELOC Application Fee $60
HELOC 3rd Party Fees Actual Cost
1st Position Mortgage 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 (annual) 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 Key (Duplicate Key) $20
Credit Card Fees
Cash advance fee 2% with a minimum of $10
Late fee $25
Returned check fee for payments $25
Multi-currency and single currency international transactions 2%
Finance charge adjustment $10
Design Your Own Card $10 per card
Pay by Phone fee $5
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, etc.) $20 /hr. (1 hour min.)
Fax/Copy Fee (per page) $2
Wire – Domestic (Outgoing) $20
Wire – International (Outgoing) $42
ACH origination fee (onetime payment) $20
ACH – Recurring (Set Up Fee) First time waived $10
ACH – Recurring (Change Fee) $10
Manually Posted Check of Electronic Item $10
Notary – Not Credit Union Required (e.g. no fee for TOPCU Mortgage and Trust Documents) $2 per signature
Returned Checks – 1st Party $32
Returned Checks – 2nd Party $15
International Collection Items $20 + Foreign Bank Fee
Check Copy $2
Copy of Official Check $2
Official/Cashier’s Check $5
Money Order $1
Statement Copies/History Printout $2
Paper Statement Fee $1/month
Gift Card $3.95
Levy/Garnishment/Subpoena/Legal Processing Fee $50/hour (1 hour min.)
General Fees
Escheated Account Fee $50
Dormant Account Fee – assessed after 12 months of inactivity (Minors Excluded) $5
Account Closure Fee (< 90 days) $10
Regulation D Violation Fee $25
Collateral Protection Insurance (CPI) $45
Invalid Address (Returned Mail) $5
IRA Transfer or Closure $25
Non-Member Fees
ATM Withdrawal $3
Check Cashing Fee (on us) $10
TOPCU Official Check Cashing $15
Coin Machine Fee 5% per transaction
Loan Fees
Title Work Fee (MVD) $15 plus MVD fees
UCC Filing Fees $15 processing fee plus UCC Fees
Emergency Lien Release Fee $15
Loan Late Payment Fees – Consumer Greater of 5% or Late Payment of $10
Loan Late Payment Fees – Business/Commercial Greater of 5% or Late Payment of $50
Skip-A-Pay $30 per loan
Solar Loan Re-Amortization Fee (within the first 18 months) $25
Solar Loan UCC Modification Fee (as part of mortgage refinance) $100
Business Account Fees
Basic Business Checking Plus Business Checking
Monthly Fee $0.00 $10.00
Minimum Balance $0.00 $2,500.00 (min. balance waives fee)
Transaction Fee First 100 free,
then $0.05 each (per month)
First 200 free,
then $0.05 each (per month)
Currency Order/Exchange $2.00 $2.00
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 $1.00 $1.00
Official Check $5.00 $5.00
Counter Checks $1.00 per page $1.00 per page
Copies $2.00 per page $2.00 per page
Check Copies $2.00 $2.00
Statement Copy $5.00 $5.00
Local/Long-Distance Fax $2.00 per page $2.00 per page
Domestic Wire $20.00 $20.00
International Wire $42.00 $42.00
Deposit Correction $0.00 $5.00
Returned Deposit Item – 1st Party $32.00 $32.00
Returned Deposit Item – 2nd Party $15.00 $15.00
Non-Sufficient Funds (NSF) $32.00 $32.00
Overdraft from Shares First 6 free,
then $5.00 per month
First 6 free,
then $5.00 per month
ATM Usage Free In-Network,
$2.00 Out-of-Network
Free In-Network,
$2.00 Out-of-Network
ATM/Debit Card Replacement $10.00 $10.00
ATM/Debit Card Replacement – Rush $10.00
plus priority shipping
$10.00
plus priority shipping