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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.
Online Banking.
Mobile Application.
Night Deposit.
Bill Pay.
Remote Deposit Capture.
VISA Purchase Alerts.

Service Fee Schedule - Effective 9/1/2018
ATM / Debit / Credit Card Fees (A Foreign Surchase May Apply)
ATM / Debit / Credit Card Replacement $10.00
ATM / Debit / Credit Card PIN Reminder $2.00
ATM / Debit / Credit 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 $0.75
General Fees
Minimum Savings Balance $25.00
Check Copy (Per Check) $3.00
Stop Payment (Check or ACH) $35.00
Cancel Stop Payment (DDA or ACH) $35.00
Protest Check Fee $25.00
Closed Account Fee (Closed Within 180 Days) $25.00
Account reopen (Reopen Within 180 Days) $25.00
Reg D Excessive Withdrawal Fee $10.00
Check Cashing Fee (< $100 on Deposit) $3.00
Non-Member Check Cashing Fee $10.00
Dormant Account Fee (Per Month After 12 Months) $10.00
Returned Mail Fee $10.00
Restraining Notice / Legal Processing Fee $100.00
Back-Up Withholding $10.00
Account Research (Per Hour) $25.00
Holiday Account Early Withdrawal $25.00
Escheatment Fee $25.00
IRA Premature Withdrawal (Before 59-1/2) $25.00
Share Term Early Withdrawal
Term of One Year or Less 90 Days of Dividends
Terms of 2 - 3 Years 180 Days of Dividends
Terms of 4 Years or More 270 Days of Dividends
Miscellaneous Fees
Foreign Item Deposit $20.00
Corporate Draft $5.00
Receipt Copy $2.00
Statement Copy $3.00
Transaction History Copy $3.00
Notary Service (Free to Members) $2.00
Mailed Receipt for Telephone Transaction $2.00
Mailed Statement Fee $3.00
Staff-Assisted Telephone Inquires / Transfer Fee $2.00
Non-Sufficient Funds (NSF) & Returned Item Fees
Deposit / Payment Item Returned $20.00
Courtesy Pay / Overdraft Advance $35.00
Non-Sufficient Funds (Check / ACH / Bill Pay) $35.00
Non-Sufficient Funds (Transfer from Savings) $10.00
Daily Negative Balance Fee (after 5 business days) - until account has positive balance $5.00
Loan Fees
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
Wire Fees
Domestic Incoming (Per Wire) $25.00
Domestic Outgoing (Per Wire) $30.00



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