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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.

Printable Copy

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

$26/item

NSF ACH Preauthorized Withdrawal

$26/item

Overdraft Fee

$26/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)

Corporate Checks made payable to someone other than our member per check

$5.35

Check Issue Charges

Cashiers Check

$1

ATM Fees

Fee After 4 Withdrawals

$1.00 per transaction

Non-Sufficient Funds (NSF) ATM withdrawal

$26/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)

$26

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)

$10

Domestic (incoming)

$10

Deposit Items Returned (written on member’s account)

$10

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

$10

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

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