Fees
Our philosophy is to keep our fees as low as possible. As one of our member-owners, we want you to have affordable access to the financial services you need.
Checking, Overdraft and Non-Sufficient Funds (NSF) Charges
| Fee Type | Fee Amount |
|---|---|
| Copies of Cleared Checks | $1 plus tax/item |
| Cost of Checks | Prices vary with quantity, style, & design |
| NSF Checking/ACH Pre-authorized Withdrawal | $31/item |
| NSF ACH Preauthorized Withdrawal | $31/item |
| Overdraft Fee | $31/item |
| Stop Payment (per check and per book) | $25 plus tax |
| Monthly Service Charge (Share Draft accounts) | $6.42 |
| Overdraft Protection from Savings (maximum of 3 transfers a month) | $5.00 per transfer |
| Corporate Checks made payable to someone other than our member per check | $1.00 |
Check Issue Charges
| Fee Type | Fee Amount |
|---|---|
| Cashiers Check | $1 |
ATM Fees
| Fee Type | Fee Amount |
|---|---|
| Fee After 4 Withdrawals | $1.50 per transaction |
| Non-Sufficient Funds (NSF) ATM withdrawal | $31/item |
| Card Replacement Fee | $10 |
NOTE: ATM's not owned by Town and Country may issue a surcharge.
Master Card® Debit Card
| Fee Type | Fee Amount |
|---|---|
| Card Replacement Fee | $10 |
| Express Replacement Card Delivery | $20 |
| Master Card Debit Non-Sufficient Funds (NSF) | $31 |
Master Card® Credit Card
| Fee Type | Fee Amount |
|---|---|
| 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
| Fee Type | Fee Amount |
|---|---|
| eStatements | Free |
| Internal Transfers (inbound) | Free |
Statement/Account Assistance
| Fee Type | Fee Amount |
|---|---|
| Account Histories | $1 |
| Copy of Statement | $1 |
| Research Fee | $25 |
| Statement Reconciliation (max history of 3 months) | $25 |
Wire Transfers
| Fee Type | Fee Amount |
|---|---|
| Domestic (outgoing) | $15 |
| Domestic (incoming) | $15 |
| 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 | No longer offer this service |
| Reopens Account (within 90 days of closing) | $25 |
| Tax Levy/Garnishment Fee | $25 |