Fees 

Checking, Overdraft and Non-Sufficient Funds (NSF) Charges

Copies of Cleared Checks

$1 plus tax/item

Cost of Checks

Prices vary with quantity, style, & design

NSF Checking/ACH Pre-authorized Withdrawal

$25/item

NSF ACH Preauthorized Withdrawal

$25/item

Overdraft Fee

$25/item

Stop Payment

$25 plus tax

Monthly Service Charge (balance falls below $100.00 during month)

$6.36

Overdraft Protection from Savings (maximum of 3 transfers a month)

$5.30

Check Issue Charges

Cashiers Check

$1

ATM Fees

Fee After 4 Withdrawals

$1.50 per transaction

Non-Sufficient Funds (NSF) ATM withdrawal

$25/item

Card Replacement Fee

$10

Note: ATM’s not owned by Town and Country may issue a surcharge

Master Card® Debit Card 

Card Replacement Fee

$10

Express Replacement Card Delivery

$20

Master Card Debit Non-Sufficient Funds (NSF)

$25

Master Card® Credit Card 

Annual Percentage Rate

9.90% APR

Annual Fee

None

Grace Period

25 days

Card Replacement Fee (standard delivery)

$10

Card Replacement Fee (express delivery)

$30

Overlimit Charge

$10

Payments Over 15 Days Late

$10

Home Banking 

eStatements:

Free

Internal Transfers (inbound)

Free

Statement/Account Assistance

Account Histories

$1

Copy of Statement

$1

Research Fee

$25

Statement Reconciliation (max history of 3 months)

$25

Wire Transfers 

Domestic (outgoing)

$15

Domestic (incoming)

$10

International (outgoing)

$35

International (incoming)

$5

Address Research (if statement is returned twice for incorrect address)

$5 per quarter

Deposit Items Returned (written on member’s account)

$5

Deposit Items Returned (not written on member’s account)

$5

Fax Sending Charges

$1 per page

Fax Receiving Charges:

$1 per page

Photocopy charges after 5 copies

$0.25 per page

Member Cashing Non-member check

$5 per check, $500 limit on check

Reopens Account (within 90 days of closing)

$25

Tax Levy/Garnishment Fee

$25