TIC FCU - Personal Banking

FEE SCHEDULE

All Fees Are Effective

NEW MEMBERSHIP FEE
New Member	$ 5.00
Account Closing (Closed within 90 days of account opening)	$25.00

SAVINGS ACCOUNT FEES
Christmas/Tax Savings Account Early Withdrawal	$15.00
Monthly service charge to members who have only a single savings relationship and an average daily balance of less than $100.00	$ 5.00

CHECKING ACCOUNT FEES
NSF	$35.00 per item
Stop Payment	$35.00 per request
Check Printing	Prices may vary depending upon style
Check Copy	$ 5.00 per item

LOAN FEES
VISA Over-the-Limit Fee	$30.00
Late Payment Fee	$30.00
Cash Advance Fee	3%
Title Fee for Refinancing and Personal Sales (For Title and Postage)	$30.00

ELECTRONIC SERVICE FEES
Nonproprietary ATM Transaction	$ 1.50
Point of Sale Transaction	$ 1.00
ATM/Debit Replacement	$ 5.00 per card
ATM Use by Non-TIC ATM Card	$ 2.50
Non Customer Transactions at Mobile ATM	up to $3.00
Foreign Transaction Fee (Fee charged for each transaction made outside the United States.)	1.00% of transaction
eBranch (Home Banking)	No Charge
eStatements (Online Statements)	No Charge
Bill Payment and Presentment	No Charge with Rewards Checking

OTHER SERVICE FEES (Applicable to All Accounts)
Account Reconciliation	$25.00 first hour; $10.00 each additional hour
Account Research	$25.00 first hour; $10.00 each additional hour
Returned Item	$10.00 per item
Items Sent for Collection	Charges passed on to member by collecting bank
Dormant Account	$ 5.00 per month up to $60.00 (no account activity for 12 months or longer)
Federal Express (per mailing envelope in Continental U.S.)
Monday through Friday	$18.98
Saturday	$28.25
Express Mail	$15.75
Priority Mail	$ 7.20
Automatic Draft NSF (includes Checking, ACH, Corporate Checks, Bill Paying, etc.)	$35.00 per item
Stop Payment (includes all stop payment returns, i.e., Checking, ACH, Corporate Checks, Bill Paying, etc.)	$35.00 per request
Collection for NSF Checks	$15.00 per item
Check cashing fee for members who have an aggregate account balance less than $100.00	$ 3.00 per occurrence
Out-going Wire
Domestic Wire	$20.00
International Wire	$40.00
Incoming Wire	$15.00 per item
Processing Rapid Refund Check Cashing	1.00% of check amount or a $10.00 minimum
Coin Counting Service
TIC Members	FREE
Non-Members	7% of coins counted
Verification of Deposit	$15.00 per item
No Forwarding Address	$ 5.00
Processing Garnishments/Levies	$50.00 per item
Receive ATM, Debit, and/or Credit Card via Priority Mail	$30.00 per card

MERCHANDISE FEES
Money Order	$ 1.00 per money order
Travelers Check	$ 1.00 per $100.00
Travelers Checks for Two	$ 1.50 per $100.00
Gift Checks	$ 2.00 per gift check
TIC Corporate Check	$ 5.00 per check
Commercial Money Order (Western Union)	$16.50 per Domestic CMO
Carmike Cinemas Discount Theater Tickets	$ 6.00
2008 Six Flags Tickets^*
Adult Day Pass^**	$26.00
Season Pass	$66.00
* Not available at our Ft. Benning ** Any child 48 inches and over will be charged as an adult. We do NOT have consignment tickets for children this year. For information, call 1-770-739-3430 or go online at sixflags.com * Ticket sales will end August 31st
2008 White Water Day Pass*	$25.50
Not available at our Ft. Benning Ticket sales will end August 31st