DCTFCU Service Charges

Effective January 1, 2010

Dormant Share Accounts (over 2 years with balances less than $100)	$5.00 monthly
Regular Share Account less than Par Value ($100)	$2.00 monthly
Excessive Withdrawal of Shares (over 2 per month)	$2.00 each
Accounts Closing Within 6 months of Opening	$5.00 each
Escheatable Accounts	$50.00 each
Deposited Checks Returned	$30.00 each
Check Copies (Duplicates)	$1.00 each
Statement Reconciliation (Assistance per hour)	$10.00 per hour
Undeliverable/Returned Mail	$3.00 monthly
Member Privilege	$30.00 per item
Overdraft Charges	$30.00 per draft
Transfer of Funds Request Automatic (Regular Shares) Manual	$1.00 $2.00
Duplicate Title Release (Home Equity)	$25.00
Subordination Agreement (Home Equity)	$55.00
Mortgage Verification	$3.00 each
Garnishments, Levies, Liens Processing	$75.00 per item
Check Copies Returned (Share Drafts)	$.10 per check
Copies of Credit Union Checks	$2.00
Copies of Share Drafts	$1.00
Christmas Club Closing Balance if less than $100.00 at maturity	$5.00
Christmas Club Withdrawals prior to maturity	$5.00
Excessive Withdrawals from IRA Accounts (more than 1 per year prior to age 591/2)	$10.00
Cut off Statements (Copies per month of coverage)	$1.00
Check Holds	See Reg. CC Schedule for check hold policies
Stop Payments/Member Checks	$15.00 each
Stop Payment on Credit Union Checks	$20.00 each
Checks Presented for Special Collection	$25.00 each
Withdrawal From Share Draft Accounts by Credit Union Check	$2.00
Money Market Withdrawal (over 2 per month)	$5.00
Notary Services	$2.00 each
Online Banking Monthly Fee	$6.00
Account Research Fee	$10.00 per hour
ATM Replacement Card	$10.00
ATM Card Replacement PIN	$5.00
ATM Transactions (Foreign)	$1.00 per transaction
ATM Foreign Balance Inquires	$.75 per transaction
ATM Reactivation Fee	$5.00 each
Loan Late Fee	$30.00 after 15 days
Home Equity Loan Late Fee	$60.00 after 15 days
ACH (Returns/Share Draft Returns)	$30.00
Wire Transfers (Domestic) Foreign	$20.00 $50.00
Tax Return Electronically Processed	Call for fee

It is the intent of your Board of Directors to provide as many financial services as possible fee-free or at minimal cost. Over the years DCT FCU has done just that — providing many services free to the entire membership when banks and other profit-oriented financial institutions were assessing charges.

In order to use your Credit Union to your best advantage, you should be aware of those services that do require additional fees (listed above). As you will note, most fees are for unusual use or misuse of accounts where maintenance costs are excessive. Use your Credit Union for all your financial needs and you’ll find it a money-saving and rewarding money-making experience!

PLEASE NOTE: The par value of one share ($100) is required in regular shares to maintain membership in D.C. Teachers Federal Credit Union.

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