Fee Schedule - FOS
Transparent pricing for all our banking services
Effective as of September 2025
Important Notice: This fee schedule is subject to change. Please check with us for the most current fees and terms. All fees are subject to applicable laws and regulations.
Basic Checking
| Monthly Fee | $0.00 |
| Minimum Balance | $0.00 |
| Overdraft Fee | $35.00 per occurrence |
| ATM Withdrawals | Free at own bank ATMs |
Premium Checking
| Monthly Fee | $12.95 |
| Minimum Balance | $1,000.00 |
| Overdraft Fee | $35.00 per occurrence |
| ATM Withdrawals | Free at own bank ATMs |
Savings Accounts
| Monthly Fee | $0.00 |
| Minimum Balance | $100.00 |
| Interest Rate | 0.05% APY |
| Withdrawals | 6 free withdrawals per month |
Money Market
| Monthly Fee | $0.00 |
| Minimum Balance | $10,000.00 |
| Interest Rate | 0.15% APY |
| Withdrawals | 5 free withdrawals per month |
Loan Services
| Personal Loan | 12.99% - 18.99% APR |
| Home Equity | 7.99% - 12.99% APR |
| Credit Cards | 15.99% - 24.99% APR |
| Line of Credit | 10.99% - 15.99% APR |
Transfer Fees
| Domestic Transfers | Free |
| International Transfers | $25.00 per transfer |
| Wire Transfers | $25.00 - $50.00 |
| ACH Transfers | Free |
Mobile Banking
| Monthly Fee | $0.00 |
| Features | All standard features included |
| Mobile Deposit | Free |
| Bill Pay | Free |
Additional Information
Payment Methods
- All fees are charged in US Dollars
- Fees are collected in the same currency as the transaction
- Some fees may be waived under certain conditions
Fee Waivers
- Minimum balance waivers for premium accounts
- Overdraft protection for qualifying customers
- Special promotions may offer temporary fee reductions
Important Dates
- Fee schedule effective: September 1, 2025
- Last updated: August 31, 2025
- Next review date: March 1, 2026
Contact Us
- Customer Service: +1-800-555-8000
- Email: support@vtcu.online
- Address: 92 Wall St, New York, NY 10005, United States
Disclaimer
This fee schedule is provided for informational purposes only and does not constitute a contract or agreement. Fees and terms are subject to change without notice. The bank reserves the right to modify fees and services at any time. Please consult with your local branch or representative for the most current information.