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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 Closed End Mortgage Application Fee $60
Home Equity Closed End Mortgage 3rd Party Fees Actual Cost
HELOC Application Fee $60
HELOC 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

$1.00 / 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

Regulation D Violation Fee

$25

Collateral Protection Insurance (CPI)

$45

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

 

Loan Fees
Title Work Fee (MVD)  $15 plus MVD fees
UCC Filing / Termination Fee $15 plus UCC fees
UCC Release and Refile Fee $100
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
Solar Loan – one-time re-amortization fee within first 18 months $25
Non-Compliance Fee Monthly 1% of loan balance per loan contract
Due Date Change Fee $30

 

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 1% to 4%
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  $25