Share Drafts (Checking)
  Have your checking account where you belong
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REORDER CHECKS
TOFCU offers the best in low fee, dividend earning checking accounts combined with the caring and personal touch you can find only at your credit union!  Add in the convenience of ATM access, payroll deduction and direct deposit, and you have a checking account to meet the needs of every member of the family!

Share Draft Account
Rates are effective as of May 21, 2008
Minimum Balance to
Open  Account
Annual Percentage
Yield  (APY)
Minimum Balance to
Earn Dividend
Comments
$20
(to pay for first order of share drafts)
0.25%
$1,000
    No monthly service fee.  No minimum
    balance required after account is opened.
The above rate is the anticipated Annual Percentage Yield (APY) for the current dividen
period.  This rate may change as determined by the credit union Board of Directors.  Any
fees you inccur will reduce the earnings on your accoun   


Share Draft Account Fees
As of May 21, 2008
Automatice Transfer
$ 6  (no charge if you transfer on you own before NSF)
Deposit to Cover Overdraft
$25 per item
NSF - Returned check
$25 per check
Account Balancing
$15 per hour ($15 minimum)
Copy of Cleared Check
$ 7 per copy
Draft Printing
depends on style
Stop Payment
$25 (all items)