Disclosures
OTIS Federal Credit Union has the follow disclosures that are available for you to read online, save, or print.
- Truth in Savings
- Privacy
- Fees
- Early Withdrawal Certificates
- OTIS Online & Mobile Banking Disclosure, Disclaimer, and Agreement
While these are the most common disclosures, others are available upon request. Call, stop by, or email us at info@otisfcu.coop .
These disclosure are subject to change without notice.
| Effective Date September 1, 2021 | |
| Fees: All Accounts | |
| Telephone Transfer | FREE |
| Balance Inquiry | FREE |
| ATM Surcharge | FREE |
| Statement Copy | $1.00/page |
| Interim History | $1.00/page |
| Returned Mail | $2.00/item |
| Dormant Fee | $5.00/month after account is inactive for (2) years |
| Deposited Item Return | $10.00/item |
| Stop Payment | $20.00/item |
| Foreign Item Processing | $20.00/item |
| Returned Item Fee (Unpaid - NSF) | $25.00/item |
| Share Account Fees | |
| Non-OTIS ATM Withdrawal | $0.75/withdrawal |
| Account Closure | $25.00 if account is closed within (3) months of opening |
| Share Draft Fees | |
| Overdraft Transfer | FREE |
| OTIS Overdraft Privilege (Paid) | $25.00/item |
| Over-the-Counter Checks | $1.00/(4) |
| Check Copy | $2.00/item |
| Checking Printing | Prices vary by style |
| Wire Fees | |
| Wire Transfer (Incoming) | FREE |
| Wire Transfer (Outgoing - US) | $15.00 |
| Wire Transfer (Outgoing - Foreign) | $40.00 |
| Wire Transfer (TriCorp FCU-affiliated) | $5.00 |
| Loan Fees | |
| Loan Payoff Request | FREE |
| Mortgage Payoff Request | FREE |
| Loan Payment Reversals | $10.00 after (4) reversals in (1) year |
| Skip-A-Payment | $25.00/eligible loan |
| ATM/Visa Debit Fees | |
| Non-OTIS ATM Withdrawal | $0.75/withdrawal |
| Instant Issue Replacement Card Fee | $10.00 |
| Mail Replacement Card Fee | $10.00 |
| Returned Item Fee (Unpaid - NSF) | $25.00/item if opted into Reg-E |
| OTIS Overdraft Privilege (Paid) | $25.00/item if opted into Reg-E |
| Replacement Card Rush Fee | $50.00/card only; $70.00/card + PIN |
| Services | |
| CU e-Statements | FREE |
| Paper Statements | FREE |
| Online Bill Payer | FREE |
| OTIS Online & OTIS Mobile | FREE |
| Notary (Members Only) | FREE |
| Photocopy | $0.50/page |
| Money Order | $1.00/money order |
| Fax | $1.00/page |
| In-House Bill Payer Check | $2.00/item |
| Gift Cards | $2.50/card |
| Corporate Checks | First (3) FREE; $1.00/item after (3) |
| Corporate Check/Money Order Copy | $4.00/item |
| Account Research/Reconciliation | $25.00/hour; (1) hour minimum |
| Legal Process | $25.00/hour + Account Research hourly fee |
| Safe Deposit Box Key Replacement | $25.00/key |
| Safe Deposit Box Drilling | $350.00 |
Links
 | This site allows you to request a free credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. |
|
| TruStage insurance products and programs help members protect what matters most. In partnership with credit unions and their members, you’ll find products for life, car, AD&D, long-term care, home and more. TruStage offers straightforward information, real value and assurance. And it’s only for credit union members like you. |
 | Look up the NADA Value of your new or used vehicle, boat, snowmobile or motorcycle. |
 | The Internet can give you access to information, entertainment, financial offers, and countless other services, but at the same time, it can leave you vulnerable to online scammers, identity thieves and more. Visit Onguard Online to learn how you can protect yourself from internet, email and phone scams. |
 | An easy way to price US Savings Bonds! The new online Savings Bonds Calculator prices Series EE, E, Savings Notes and I Bonds. |
