Overdraft Protection Fees
Tyndall offers a few convenient ways to protect yourself against an overdraft on your Checking or Money Market Account. If you have an overdraft on your account, however, you may be assessed a fee (outlined below) but, depending on the situation and your account status, we may pay the overdraft instead of returning it to the merchant, which is to your benefit. As an added benefit, Tyndall has a de minimis threshold in place, which means that if your transaction creates an overdraft of $5.00 or less, we will not charge a fee for the presentment (excluding overdraft transfer fees). Additionally, we will not charge more than five (5) overdraft fees in a single business day (NSF and Paid NSF Fees combined).
Type | Charge |
---|---|
$ 20.00 per presentment (maximum 5 per day) [2] [3] | |
$ 20.00 per presentment (maximum 5 per day) [2] [3] | |
Checking and Money Market Account Fees | Empty table head |
$ 20.00 per request | |
- Prices may vary depending upon style and quantity | |
$ 2.50 per item | |
$ 2.95 per month; if enrolled in e-Statements, fee is waived | |
$ 0.99 per month; if the account's minimum Average Daily Balance is $1,500, fee is waived. | |
$ 10.00 per month; if the account's minimum Average Daily Balance is $2,500, fee is waived | |
Other Service Fees | - (applicable to all accounts) |
$ 20.00 per hour - with a minimum $10.00 charge. | |
$ 1.00 per page (excluding statement copies) | |
$ 5.00 per statement | |
$ 15.00 per transfer | |
$ 5.00 per month - after one (1) year of no account activity[4] [5] | |
$ 5.00 per month - after one (1) year of no account activity[4] [5] | |
$ 1.00 per page | |
$ 3.00 for six (6) checks | |
$ 3.00 per item | |
$ 5.00 per presentment | |
$ 50.00 | |
$ 9.95 per payment | |
Up to $25.00 [1] | |
$ 5.00 per month after six (6) months. | |
$ 2.00 per page | |
$ 5.00 per card | |
The maximum amount as allowed by State law | |
$ 5.00 per check | |
$ 9.95 | |
Electronic Funds Transfer Fees | Empty table head |
|
No charge |
|
$ 1.00 network fee per transaction - surcharge assessed by ATM owner, at Owner's discretion. |
Credit Union Membership | Empty table head |
|
$ 5.00 - par value |
|
$ 1.00 |
Effective Date: June 2020
**Denotes change
[1] When check payee and check maker are the same.
[2] "Maximum 5 per day" refers to the combined total of NSF Fees and Courtesy Pay Fees. First five combined NSF and Courtesy Pay fees will be refunded.
[3] Fee applies to overdrafts created by check, in-person withdrawal, automated teller machine (ATM) withdrawal, or other electronic means, as applicable.
A de minimis threshold applies; fee will not be charged for transactions that overdraw the account by $5.00 or less (excluding overdraft transfer fees).
[4] Members over age 70 and under age 18 are excluded from the inactivity fee.
[5] Accounts with balances $5,000.00 and over are excluded from the inactivity fee.