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Tampa Bay Federal Credit Union
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Service Fees

Service Fees
Effective Date: Monday, September 1st, 2025
NameFee
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) $0.00
ATM Withdrawal/Inquiry all other networks $2.00
ATM Denied all other networks $0.50
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 $10.00
Credit Card Late Payment irst 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      (Waived with $1,500 combined savings and checking balance or $15,000 loan balances) $5.95/month
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 excludes electronic statements) $3.00
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 (After 6 Savings and/or Money Market Overdrafts, Online Banking Transfers, and/or ACH transactions, per suffix) $6.00
Small Business Fees:
Deposit Adjustment $15.00
Monthly Service Fee (Waived with monthly balance above $5,000 in Business Checking) $15.00
Coin and Currency Requests
Standing Order $3.00
Special Order $5.00
Per Roll $0.15
Per Strap $0.50
Orders not picked up $15.00
Super Money Market
Monthly Service Fee with minimum balance (Waived with monthly balance above $50,000) $25.00
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 Applies on 5th day account negative, maximum 14 days) $5.00
Share Fee -Authorized Paid NSF Debit or ATM Transaction (each-If transaction overdraws balance more than $10.00) $35.00
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
Coin Machine (non-member- ) 10% of coin, minimum $25 Fee
Fax (each page) $3.00
Garnish/Levy (each) $100.00
History of Account (each -Available free with Touch Tone Teller or online banking) $3.00
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; For single service accounts with balance under $200) $3.00
Single Service Membership (one time charge; Waived for Minor Accounts) $25.00
Single Service Account Monthly Fee (When balance less than $200) $6.95
Stop Payments $35.00
Removal of Stop Payment $5.00
Withdrawals/Check Cashing
On-Us" Check Cashing (for non-members) $5.00