Banking Accounts to Meet Your Needs
Flexible Savings and Checking Solutions for Your Financial Needs in Arkansas
Our Fees
This Schedule of Fees and Charges is provided as a disclosure of the costs associated with your Credit Union accounts and services. All fees are subject to change. Advance notice will be provided.
| Category | Service | Fee | Notes/Conditions |
|---|---|---|---|
| ACCOUNT SERVICES | Membership Fee |
$5.00 | Savings account required |
| ACCOUNT SERVICES | Money Now |
$20.00 |
Releasing ACH |
| ACCOUNT SERVICES | Minimum Balance Fee |
$10.00 |
If balance falls below $1000.00 (this applies to money market accounts) |
| ACCOUNT SERVICES | Dormant Account Fee |
$5.00 | After 12 months of inactivity |
| ACCOUNT SERVICES | Account Reconciliation |
$10.00 per hour |
Minimum $20.00 |
| ACCOUNT SERVICES | Excessive Shares Withdrawals |
$5.00 | A total of 6 withdrawals or transfers in a quarter, after that a fee is charged for each additional withdrawal or transfer |
| ACCOUNT SERVICES | Account Research |
$10.00 per hour |
Minimum $20.00 |
| ACCOUNT SERVICES | Paper Statement Fee |
$5.00 | Waived with eStatements |
| ACCOUNT SERVICES | Statement Copy |
$5.00 Per Statement |
|
| FUNDS TRANSFER SERVICES |
Domestic Wire (Outgoing) |
$25.00 |
|
| FUNDS TRANSFER SERVICES |
Domestic Wire (Incoming) |
$15.00 |
|
| FUNDS TRANSFER SERVICES |
Same Day ACH |
$5.00 |
Per transaction |
| FUNDS TRANSFER SERVICES |
ACH Stop Payment |
$35.00 |
Per item |
| FUNDS TRANSFER SERVICES |
Returned ACH/Check |
$35.00 |
NSF or uncollected funds |
| FUNDS TRANSFER SERVICES |
Overdraft Transfer |
$35.00 |
Per occurrence |
| ATM/DEBIT CARD SERVICES |
Replacement Debit Card |
$25.00 |
First card free |
| ATM/DEBIT CARD SERVICES |
Debit Card Overdraft Fee |
$35.00 |
|
| ATM/DEBIT CARD SERVICES |
Card Order Mailed |
$35.00 |
|
| ATM/DEBIT CARD SERVICES |
Card Rush Order |
$80.00 |
For mailed cards |
| CHECKING ACCOUNT SERVICES |
Checking Account Opening |
$25.00 |
|
| CHECKING ACCOUNT SERVICES |
Check Orders |
$10.00-$35.00 |
Varies |
| CHECKING ACCOUNT SERVICES |
Stop Payment |
$35.00 |
Per item |
| CHECKING ACCOUNT SERVICES |
Overdraft (NSF) Fee |
$35.00 |
Per item |
| CHECKING ACCOUNT SERVICES |
Returned Item Fee |
$35.00 |
Per item |
| CHECKING ACCOUNT SERVICES |
Courtesy Pay Fee |
$35.00 |
Per item (if opted in) |
| LOAN SERVICES |
Late Payment Fee |
5% of loan payment |
After 10-day grace period |
| LOAN SERVICES |
Skip-A-Pay Processing |
$35.00 |
Per loan, if eligible |
| LOAN SERVICES |
Loan Processing Fee |
$65.00-$150.00 |
|
| LOAN SERVICES |
Loan Payment Reversal Fee |
$35.00 |
Per loan payment returned |
| LOAN SERVICES |
Loan Refinance Fee |
$35.00 |
For personal loans, not paid for 12 months |
| LOAN SERVICES |
UCC Filing Fee |
$25.00 |
For Other Collateral loans |
| LOAN SERVICES |
Loan Extension Fee |
$50.00 |
Added to loan balance |
| OTHER SERVICES |
Early Withdrawal Christmas Club |
$10.00 |
Per withdrawal |
| OTHER SERVICES |
Check Printed |
$5.00 |
Per check, after the 3rd check |
| OTHER SERVICES |
Notary Service |
Free |
For members only |
| OTHER SERVICES |
Paid NSF Item |
$35.00 |
Per item |
| OTHER SERVICES |
Returned Mail Fee |
$5.00 |
Per item |
| OTHER SERVICES |
Deposit Item Return Fee |
$15.00 |
Per item |
Why Join Two Rivers Federal Credit Union?
Enjoy access to low-interest loans, flexible savings options, and personalized service as a member of our community-focused credit union. If you’re affiliated with Henderson State University, Ouachita Baptist University, or other local organizations, you’re eligible to join!