Fee Schedule
Please note: This is a brief summary of all of our fees and to be used as reference only. For more detailed fee information, please see our
Truth in Savings disclosures that pertain to each account you may be interested in. View our disclosures at www.rtn.org/Disclosures.
Main Share Account
Minimum Deposit
$25.00 ($5.00 if age 17 or less) per member on
account
Minimum Balance to Earn Dividend
$50.00 ($5.00 if age 17 or less)
Returned Third Party Deposit
$10.00 per check returned
Share Stop Payment
$20.00 per stopped payment
Share Check Copy
$15.00 per check copy
Share Withdrawal
None (excluding third party checks)
Holiday and Vacation Club Account
Minimum Deposit
None
Minimum Balance to Earn Dividend
None
Closeout/Early Withdrawal
$15.00 per transaction
Share Certificate Regular
Minimum Deposit
$1,000.00
Renewability of Account
Automatic
Early Withdrawal Penalties
Equal to three months dividends on accounts
with maturities of up to one year and equal to six
months dividends on accounts with maturities of
one year or greater
Money Market
Minimum Deposit
$2,500.00
Returned Check Fee
$25.00
Excess Transfers and/or Withdrawals
$25.00 each
Share Certificate Premium
Minimum Deposit
$50,000.00
Renewability of Account
Automatic
Early Withdrawal Penalties
Equal to three months dividends on accounts
with maturities of up to one year and equal to six
months dividends on accounts with maturities of
one year or greater
Individual Retirement Account
Minimum Deposit
None
Minimum Balance to Earn Dividend
None
Individual Retirement Share Certificate Account Regular
Minimum Deposit
$1,000.00
Renewability of Account
Automatic
Fee Schedule
Equal to three months dividends on accounts
with maturities of up to one year and equal to six
months dividends on accounts with maturities of
one year or greater
Early Withdrawal Penalties
Individual Retirement Share Certificate Account Premium
Minimum Deposit
$50,000.00
Renewability of Account
Automatic
Early Withdrawal Penalties
Equal to three months dividends on accounts
with maturities of up to one year and equal to six
months dividends on accounts with maturities of
one year or greater
Checking Accounts
Minimum Deposit
None
Monthly Fee -- Basic Checking
None
Monthly Fee -- Dividend Checking
$5.00 per month
Checking Transfer Fee
$12.00 per transaction
Returned Check
$25.00 per check returned
Returned Third Party Deposited Check
$10.00 per check returned
Check Exception
$15.00 per check exception
Stop Payment (incl. Bill Payer)
$20.00 per stopped payment
Check Orders
Prices will vary
Free self-service (if available) with Online
Banking and/or eStatements enrollment.
Check Copies
For checks having cleared within prior three
calendar months of request (not obtained via
eStatements):
If member has direct deposit of net pay or
retirement benefits: three free per month, $3.00
each additional copy thereafter
All other members: $3.00 per copy
For checks having cleared more than three
calendar months to request:
$10.00 per copy plus $25 per hour research
fee
Automatic Teller Machines
Credit Union-owned ATMs:
Unlimited
Free transactions per month
Non-RTN FCU ATMs:
5 free, per month, from checking if enrolled in
the Performance Package
All transactions free if enrolled in the Infinity
Club
Deposit Fee
None -- Unlimited
Maximum Withdrawal
$500.00 per day
Replacement Card
$15.00 after first replacement card
ATM/Debit card/point of sale (POS) Overdraft
$15.00 per overdraft
Fee Schedule
Free (max. purchase limit amount per day
$1,000)
Point of Sale Item Fee
Electronic Services
Online Banking & Bill Payer
No Charge
Bill Payer - Expedited Overnight Payment
$10.00
Returned item: $25.00
DeposZIP* - Remote Deposit Capture
Free for both desktop and mobile.
(* Subject to approval and based on credit
history.)
eDocuments incl. eStatements, eNotices and eTax documents.
Free
Online External Transfers & Account to Account Transfers
Transfer from your accounts at other financial institutions
Standard Transfer to your accounts at other financial institutions
Overnight Transfer to your accounts at other financial institutions
Returns
Free
$3.95
$12.00
$25.00
Online Popmoney® (Person to Person) Transfers
Standard Send Money Transfer to other people
Next Day Send Money Transfer to other people
Send Money Email Design Fee
Money Payment Request to other people
Stop Payment Fee for Popmoney® Transfers
$ .99
$5.00
$ .99
$ .99
$20.00
Miscellaneous
3rd Party Checks
$2.00 per check
Foreign Check Collection (See Exchange Rate footnote)
$50.00 per non-Canadian check.
Canadian Checks: 1% of US Dollar value,
minimum $10.00, maximum $100.00
Traveler's Checks
Free / $.50 per $100 "Checks for Two"
Money Order
$2.50
American Express Gift Checks (AMEX)
$2.50 per check
Incoming
None
Wire Transfers (See Exchange Rate footnote)
Outgoing
Domestic (US) — $30.00 per transfer
International — $60.00 per transfer
Research (incl. Bill Payer)
$25.00 per hour
Statement Copies
$5.00 per statement
Online Printout
$4.00 per printout
Abandoned Property
$75.00 per account
Account Levy Fee
Dormant Account Inactivity Fee
$25.00 per account
$3.00 per month if there is no activity during the
previous 12 months
The fees and charges are accurate as of the date published below, subject to change and replace all previously quoted fees
and charges. Please call a Member Services Representative at 1-800-338-0221 to obtain current fee information.
Fee Schedule
Exchange Rate footnotes
Foreign Check Deposits
The Credit Union uses a third party to convert foreign checks into U.S. dollars for deposit into members’ accounts and/or for
members’ loan payments. Due to the limited quantity of these items we receive, we are subject to current market forces
and exchange rates for low-dollar amount transactions. The exchange rate quoted in major publications and online financial
sites are usually for multi-million dollar transactions and can vary significantly from the exchange rate that we are able to
obtain on behalf of our members.
The Credit Union passes through to members dollar-for-dollar what it receives when converting foreign checks into U.S.
currency. The only Credit Union charges imposed are those clearly stated on our fee schedule.
What can members do to have better control over the exchange rate on non-U.S.-based checks and wire
transfers?
If possible, we recommend members consider exchanging non-U.S. currency checks and/or wire transfers into U.S. dollars
at the point of origin prior to making a deposit or loan payment. In so doing, members know up front exactly what the
exchange rate — and fees, if applicable — will be prior to conducting a transaction. The Credit Union will then be receiving
U.S. funds and will process the deposit/loan payment to the members’ account.
Outgoing foreign wire transfers
If a member is interested in sending funds to a foreign country, we recommend members convert U.S. dollars into the
receiving country’s currency PRIOR to sending the wire. By so doing, the member knows — and agrees — at the point of
origin what the exchange rate will be and also knows the proper amount in the foreign currency that will be transferred to
the receiving party. The Credit Union provides this service to members.
A note regarding exchange rate risk
Regardless of how a member structures these types of transactions, it is the member who ultimately assumes any inherent
risk associated with fluctuating exchange rates. The Credit Union passes through to members dollar-for-dollar what it
receives when converting foreign items into U.S. currency.
5/21/2016