Inactivity Fee
If your account has no activity on it for 2 years
Account Closure Fee
If you close an account within 180 days of opening it.
Early Withdrawal Fee
If you withdraw money from your Christmas Club Account
Single Service Fee
If you have just a single savings account and Average Daily Balance is below $200
$10 per card
(add'l $50 to rush VCC)
Loan Reapplication Fee
If you apply more than once for the same type of loan in a 6-month period and the original loan application was denied or withdrawn
Late Fee
If you submit a payment 20 days past the due date
UCC Fee
Fee to obtain a Universal Commercial Code from the State for vehicle types that do not have titles (e.g. ATV, snowmobile, golf cart)
Share Transfer Fee
If funds had to be transferred to cover a check, an electronic payment or funds withdrawn by using your ATM card or Visa® Check Card
Returned Draft Fee
If we dishonor a payment made by check due to insufficient funds
Return Automated Clearing House (ACH) Fee
If we dishonor an electronic payment due to insufficient funds
Overdrawn Fee
The fee to honor electronic transactions when funds were not available at the time of posting
Privilege Pay Fee
Any check, ACH, or Visa® Check Card (optional service) transaction that is cleared by using our discretionary overdraft service
Deposit Item Fee
If an item you deposit into your TruChoice account is returned for insufficient funds
Share to Share Wire Fee
When wiring money from your TruChoice account to most other Maine credit union accounts
Reconciliation Fee
If you need help reconciling your checkbook
Stop Payment Fee
If you need to stop payment on a personal check that you have written
Statement Copy Fee
If you need back copies of your statement
Copy of Check
If you need a copy of a cleared check that was written from your personal checkbook
Check Order
If you need more personal checks