Service Fees
Service Fees
Effective Date: Thursday, August 7th, 2025
| Account Changes | |
| Prime Time (new members-one time) | $5.00 |
| Reopen member account closed in past 180 days | $25.00 |
| Closed Account within 180 days of opening | $25.00 or balance of account |
| Loan Modification | $15.00 |
| Internal Refinance (Loan must be active for minimum of 6 months) | $100.00 |
| Loan Rate Modification (Loan must be active for minimum of 6 months) | $100.00 |
| ATM & Debit | |
| ATM Withdrawal/Inquiry/Denial on Tampa Bay Federal ATMs or CO-OP networks (excluding Presto) | $.0 |
| ATM Withdrawal/Inquiry all other networks | $2.00 |
| ATM Denied all other networks | $.50 |
| ATM Deposit Adjustment/non-negotiable item | $35.00 |
| ATM or MasterMoney Debit Replacement Card (each) | $10.00 |
| ATM /Debit Card Monthly Fee for Share Account Access (if no checking account) | $5.00 |
| Expedite Debit Card | $40.00 |
| Credit Card | |
| Credit Card Cash Advance by ATM ($2 minimum) | 2% of advance |
| Rewards Credit Card Annual Fee (Credit card accounts opened more than 1 year) | $10.00 |
| Credit Card Balance Transfer (each) | $10.00 |
| Credit Card Late Payment | First occurrence $29.00; Subsequent occurrence within 6 months $35.00 |
| Credit Card Phone Payment | $10.00 |
| Credit Card Replacement Fee (each) | $10.00 |
| Credit Card Payment Returned NSF | First occurrence $29.00; Subsequent occurrence within 6 months $35.00 |
| Expedite Credit Card | $40.00 |
| Checking Accounts | |
| Fresh Start Checking | $9.95/month |
| Rewards Checking | $5.95/month |
| (Waived with $1,500 combined savings and checking balance or $15,000 loan balances) | |
| Documents & Research | |
| Account/Loan Verification Document | $15.00 |
| Loan Audit (no CU error) | $25.00 |
| Check Photocopy (each) | $2.00 |
| Check Printing Charge | Varies on style |
| Overnight Document Delivery | $30.00 |
| Research Request (per hour charge, $25 minimum) | $25.00 |
| Request for copy of Vehicle Title Fee | $15.00 |
| Duplicate Title | $100.00 |
| Returned Mail (each) | $5.00 |
| Statement Copy (each) | $3.00 |
| Special Handling for same day requests (Documents & Research) | $15.00 |
| Statement By Mail (regular monthly/quarterly) | $3.00 |
| (Excludes Electronic Statements) | |
| Carfax Report Copy | $25.00 |
| Funds/Wire Transfers | |
| Incoming Domestic Funds/Wire Transfer (each) | $10.00 |
| Incoming International Funds/Wire Transfer (each) | $15.00 |
| Outgoing Domestic Funds/Wire Transfer (each) | $25.00 |
| Outgoing International Funds/Wire Transfer (each) | $50.00 |
| IRA Transfer Outgoing (waived if transferred to TBF Advisors) | $20.00 |
| Maintenance & Transaction Fees | |
| (Accounts opened more than 1 year, excludes minors) | |
| Inactive Fee (accounts inactive for 15 months) | $5.00 per month per suffix |
| Bad Address Monthly Fee | $10.00 |
| Abandoned Property | $60.00 |
| Excessive Transfers (6+ Savings and/or Money Market Transactions, each suffix) | $6.00 |
| (After 6 Savings and/or Money Market Overdrafts, Online Banking Transfers, and/or ACH transactions, per suffix) | |
| Small Business Fees: | |
| Deposit Adjustment | $15.00 |
| Monthly Service Fee with minimum balance | $15.00 |
| (Waived with monthly balance above $5,000 in Business Checking) | |
| Coin and Currency Requests | |
| Standing Order | $3.00 |
| Special Order | $5.00 |
| Per Roll | $.15 |
| Per Strap | $.50 |
| Orders not picked up | $15.00 |
| Super Money Market | |
| Monthly Service Fee with minimum balance | $25.00 |
| (Waived with monthly balance above $50,000) | |
| Overdrafts & Returned Items | |
| Share Fee (ACH or Check Returned NSF) (each) | $35.00 |
| Share Fee (Paid NSF ACH or Check Transaction) (each) | $35.00 |
| Negative Balance Fee (per day) | $5.00 |
| (Applies on 5th day account negative, maximum 14 days) | |
| Share Fee -Authorized Paid NSF Debit or ATM Transaction (each) | $35.00 |
| (If transaction overdraws balance more than $10.00) | |
| Check Deposit Returned NSF (each) | $15.00 |
| Check Deposit Returned NSF Self to Self (each) | $35.00 |
| Check Reject (poor quality/requires hand clearing) | $5.00 |
| Loan Payment Returned NSF (each) | $35.00 |
| Safe Deposit Box Rental (annual) | |
| 3" x 5" | $40.00 |
| 3" x 10" | $65.00 |
| 5" x 10" | $90.00 |
| 10" x 10" | $115.00 |
| Safe Deposit Replacement Key | $20.00 |
| Safe Deposit Box Drilling | Cost of drilling (determined by vendor) |
| Safe Deposit Late Fee | 25.00 |
| Services | |
| Coin Machine (member) | 6% of coin amount over $100 |
| (Non-Member - 10% of coin, minimum $25 Fee) | |
| Fax (each page) | $3.00 |
| Garnish/Levy (each) | 100.00 |
| History of Account (each) | $3.00 |
| (Available free with Touch Tone Teller or online banking) | |
| Loan Payment/Deposit with an Associate | $9.99 |
| ACH Online transfer to another financial institution | $3.00 |
| Reoccurring Outgoing ACH (each) | $5.00 |
| Money Orders (in the amount of $1,000 or less) | $4.00 |
| Notary Service (non-member - per signature) | $10.00 |
| Official Check (each) | $5.00 |
| Official Check Copy (each) | $12.00 |
| Signature Guarantee (member - per signature) | $15.00 |
| Skip A Payment (each) | $35.00 |
| Temporary Checks | 5 for $5.00 |
| ACH Credit/Debit Request | $10.00 |
| Shared Branching Fees | |
| Official Check | $5.00 |
| Money Order | $4.00 |
| Single Service Accounts | |
| Check Cashing/Withdrawals in person (2 Free) | $3.00 |
| (For single service accounts with balance under $200) | |
| Single Service Membership (one time charge) | $25.00 |
| (Waived for Minor Accounts) | |
| Single Service Account Monthly Fee | $6.95 |
| (When balance less than $200) | |
| Stop Payments | $35.00 |
| Removal of Stop Payment | $5.00 |
| Withdrawals/Check Cashing | |
| "On-Us" Check Cashing (for non-members) | $5.00 |