TEG Federal Credit Union - World Class Service & Worldwide Access

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Effective September 17, 2007

Regular Savings Fees:

	Required minimum balance	$5.00
	Below $5.00	$5.00
	Reopen within 12 months	$25.00
	Close within 12 months	$25.00
	Deposit Check Returned	$20.00

Checking Fees - Regular:

	NSF Check	$30.00
	Overdraft Privilege Fee	$30.00
	Stop Payment/ACH•EFT	$25.00
	Copy of Check	$2.00
	Protest	$30.00
	Deposited Check Returned	$20.00
	No Activity after 1 Year (per month)	$10.00
	Reopening	$25.00

Nonprofit Organizations Checking:

no charge

Check Cashing Fees:

	Non-Member	$5.00
	Member (if no compensating balance in account(s)	$10.00

Holiday Club Withdrawals:

$5.00

Statement Copy:

	Additional Copy	$5.00
	Interim Statement	$5.00
	Returned Statement Fee	$5.00

Certified Check:

$10.00

ATM Card(s) Fees:

	Initial ATM Card	N/C
	Replacement Card	$5.00
	TEG ATM's	N/C
	Other ATM's	$1.00 per transaction

TEG Official Check:

$2.00

Money Orders:

$2.00

	Stop Payment	$25.00
	Navy FCU Money Order	$8.50

Vida Gift Cards:

$4.95

Travelers Cheques:

	American Express	1%
	Gift Check	$2.50

Photocopy Of Any Item:

Per item

$1.00

Collection Of An Item:

	Local	$25.00
	Foreign	$50.00

Wire Transfer:

Incoming Wire

N/C

Outgoing Wire Transfer:

	U.S. Wire	$20.00
	International	$40.00

Western Union:

	Domestic	$25.00
	International	$50.00

Account Reconciliation:

Per Hour

$25.00

Account Research:

	Levy/Execution/Restraining Notice	$25.00
	Other research per hour	$25.00

Dormant Account:

No activity 3 years (per month)

$10.00

Transfers:

	Call 24 Audio Response/Online Home Banking	Free
	In-person or Fax	Free
	Telephone	$3.00
	Automatic	$3.00

IRA Closing:

	Close within 7 days of opening	N/C
	Close within one year of opening	$25.00

Credit Cards:

	Immediate temporary increase	$20.00
	Special Card Order/Two-day delivery	$20.00
	Cash advance for nonmember	$20.00
	Over Limit Fee	$25.00
	Cash Advances	$2.00
	Late Charge (after 7 days)	$25.00
	Returned Check Fee	$30.00

Business Accounts:

	Checking(monthly)	$5.00
	Average Daily Balance Fee Below $250.00	$5.00

The categories of transactions that an overdraft/NSF fee may be imposed are those by any of the following means: Check, in-person withdrawl, ATM withdrawal, or other electronic means. All fees subject to change without prior notification.