Fee Schedule
Overdraft Protection
| Type | Charge |
| NSF fee (Insufficient Funds fee): | $20.00 (FEE WAIVED) per presentment (maximum 5 per day) [2] [3] |
| Courtesy Pay fee (Paid NSF Fee*): |
$20.00 per presentment (maximum 5 per day) [1] [2] |
Checking and Money Market Account Fees
| Type | Charge |
| Stop Payment fee: | $20.00 per request |
| Deluxe Check Printing fee: | Prices may vary depending upon style and quantity |
| Check Copy fee: | $2.50 per item |
| Monthly Service fee (All Checking Accounts): |
$2.95 (FEE WAIVED) per month |
| Monthly Service fee (Checking opened on or after 08/01/24): | $2.00* per month; if enrolled in Paperless Statements, fee is waived |
| Monthly Money Market Service fee (Money Market): |
$10.00 (FEE WAIVED) per month; if the accounts minimum Average Daily Balance is $2,500, fee is waived |
Other Service Fees (applicable to all accounts)
| Type | Charge |
| Research/recn fee (Account Research fee): |
$20.00 per request |
| Document Copy fee: | Prices may vary depending upon style and quantity |
| Outgoing Wire fee (Wire Transfer fee - outgoing): |
$2.50 per item |
| Incoming Wire fee (Wire Transfer fee - incoming): |
$2.95 (FEE WAIVED) per month |
| Inactive Account fee (savings): | $2.00* per month; if enrolled in Paperless Statements, fee is waived |
| Inactive Account fee (checking): | $10.00 (FEE WAIVED) per month; if the accounts minimum Average Daily Balance is $2,500, fee is waived |
| Account History fee: | $1.00 per page |
| Returned Deposited Item fee: | $3.00 per item |
| Corporate Check fee: | $5.00 (FEE WAIVED) per presentment |
| Abused Account fee: | $50.00 per instance |
| Loan Payment by Credit Card or ACH (per phone request): |
$5.00 per payment |
| Credit Card Returned Check Charge: | Up to $25.00 (FEE WAIVED) [1] |
| Invalid Address fee: | $5.00 (FEE WAIVED) per month after six (6) months |
| Fax Copy fee: | $2.00 (FEE WAIVED) per page |
| Card Replacement: | $5.00 (FEE WAIVED) per card |
| Garnishment/Levy: | The maximum amount as allowed by State law |
| Non-Tyndall Check Copy fee: | $5.00 (FEE WAIVED) per check |
| Same Day Bill Payment fee: | $5.00 - $14.95 (varies based on company) |
| Escheat fee: | $25.00 or current balance, if less |
Electronic Funds Transfer Fees
| Type | Charge |
| Tyndall ATMs - Deposits/Withdrawals: | No Charge |
| Non-proprietary ATMs: |
$1.00 (FEE WAIVED) network fee per transaction; surcharge assessed by ATM Owner, at Owners discretion |
Credit Union Membership
| Type | Charge |
| Membership Share: | $5.00 par value |
| Membership Fee: |
$1.00 (FEE WAIVED) |
Effective Date: April 10, 2026
The fees appearing in this Schedule are accurate and effective for accounts as of the Effective Date indicated. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at 850-747-4300 (888-896-3255, toll-free).
[1] "Maximum 5 per day" refers to the combined total of NSF Fees and Courtesy Pay Fees.
[2] Fee applies to overdrafts created by check, in-person withdrawal, automated teller machine (ATM) withdrawal, or other electronic means, as applicable. A de minimis threshold applies; fee will not be charged for transactions that would overdraw the amount by $5.00 or less (excluding overdraft transfer fees).
[3] Fee applies to overdrafts created by check, in-person withdrawal, automated teller machine (ATM) withdrawal, or other electronic means, as applicable. A de minimis threshold applies; fee will not be charged for transactions that would overdraw the account by $5.00 or less (excluding overdraft transfer fees).
[4] Members over age 70 and under age 18 are excluded from the inactivity fee
[5] Accounts with balances of $5,000.00 and over are excluded from the inactivity fee