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Totally Free Services:
ATM Services at Financial Trust Federal Credit Union and Allpoint ATM's.
Free Consumer Checking and Savings Accounts with Electronic Statement.
Notary Services.
Online Home Banking.
Mobile Application.
Night Deposit Processing.
Bill Pay.

Service Fee Schedule - Effective 6/1/2016
ATM / Debit Card Services
ATM / Debit Card Replacement $10.00
ATM / Debit Card PIN Reminder $2.00
ATM / DEBIT & Visa Card Rush Delivery $40.00
ATM Withdrawals / Transfers at Non-Credit Union & Non-Allpoint Locations (after 5) $2.50
ATM Withdrawal / Transfer at International ATM $5.00
Balance Inquiry $1.00
Checking and Savings Products
Business DBA Checking Account Minimum Balance to Open $10.00
Business DBA Checking Account Monthly Service Charge $10.00
Business Non-DBA Checking Account Minimum Balance to Open $10.00
Business Non-DBA Checking Account Monthly Service Charge $10.00
Business Savings Account Minimum Balance to Open $500.00
Business Savings Account Monthly Service Charge FREE
Checking with Electronic Statement Minimum Balance to Open $10.00
Checking with Electronic Statement Monthly Service Charge FREE
Second Chance Checking Minimum Balance to Open $10.00
Second Chance Checking Monthly Service Charge $10.00
Savings with Electronic Statement Minimum Balance to Open $25.00
Savings with Electronic Statement Monthly Service Charge FREE
Miscellaneous Fees
Account Research (per hour) $25.00
Back-up withholding $10.00
Check Cashing Fee (Non-Members) $10.00
CD Early Withdrawal Term of 1 Year or Less 90 Days of Dividends
CD Early Withdrawal Term of 2 – 3 Years 180 Days of Dividends
CD Early Withdrawal Term of 4 Years or More 270 Days of Dividends
Closed Account (if closed within 180 days) $25.00
Corporate Draft $4.00
Dormant Account Fee (Per Month after 12 Months) $10.00
Check Copy Fee (Per Check) $3.00
Check or Statement Fax $2.00
Escheatment Fee $25.00
Foreign Deposited Item $5.00
Holiday Account Early Withdrawal $25.00
IRA Premature withdrawal (Before 59-1/2) $25.00
Legal Processing Fee $100.00
Mailed Receipt for Telephone Transaction $1.00
Mailed Statement Fee (Accounts opened after 6/1/16) $3.00
Notary Service (Free to Members) $2.00
Protest Check Fee $25.00
Receipt Copy $2.00
Regulation D Excessive Withdrawal Penalty $10.00
Return Deposited / Paid Item $15.00
Returned Mail Fee $10.00
Staff Assisted Telephone Inquiries / Transfer Fee $2.00
Statement Copy (per copy) $2.00
Stop Payment (Check or ACH) $35.00
Transaction History $1.00
Wire Transfer – Domestic Incoming $25.00
Wire Transfer – Domestic Outgoing $30.00
Non-Sufficient Funds (NSF) & Overdraft Services
Item Paid Into Overdraft (ACH / ATM / Debit / Check) $35.00
Item Returned NSF (ACH / Bill Pay / Check) Limit of $175.00 on Daily Fees Charged $35.00
Overdraft Protection Transfer from Savings $10.00
Overdraft Protection Transfer from LOC $10.00
Daily Negative Balance Fee (after 5 business days) $5.00
Loan Services
Duplicate Lien Release $20.00
Duplicate Discharge of Mortgage $20.00
Late Payment Fee $25.00
Returned Loan Payment $25.00
Subordination Agreement Fee $100.00
Transaction Posting Order
Credits (deposits) are posted prior to debits
Debits (withdrawals) are posted in the Following Order:
ACH – posted as items are received based on date/time
ATM – posted as transactions occur
Checks – posted in sequential Check Number order



Service Fees Overdraft Info Employment Opportunities Scholarship Opportunities Privacy Notice & Child Privacy Contact Routing Number: 222079835
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