Requirements

Once a member, always a member.

UTFCU Membership Requirements

Any faculty, staff, physician, resident, student or member of the University of Toledo Alumni Association and their immediate family members are eligible to join the UT Federal Credit Union.

Savings Requirements

A minimum of $5.00 Membership Share is required for UTFCU membership.

Services

UTFCU Member Services

It’s Me 247 Online Banking
On-Line account access 24 hours day, seven days a week!

CU Talk (telephone access)

  • Remote Access to Credit Union
  • 24 Hour Access to Accounts
  • Balance Line 1-800-867-4786

Regular Savings Account

$5.00 minimum cash withdrawal
Savings only – 2 free withdrawals per month

  • $0.75 for additional withdrawals
  • limit of $500.00 cash withdrawal per day
  • Checking Account members – all withdrawals free

Returned mail (bad address) fee: $2.00

Business Checking

  • Monthly Service Charge – $6.00
  • No Dividends
  • Deposit Charges
    • First 10 deposited items per month – free
    • 10¢ each additional item

Debit Card

  • VISA Activation + Lost/Stolen 1-800-543-5073
  • VISA Fraud 1-800-808-7239
  • VISA Fraud from out of the country 01-727-556-9000 ext. 44141

Personal Checking – To reorder checks, please contact any of our 3 convenient locations

Monthly Service Charge – $3.00
-Waived for Seniors, qualifying students and e-statements subscribers.

Free with $500 in Regular Savings
-Members pay cost of check printing
-Carbon checks, no originals returned

UT Bank Check – $0.75 Each

NSF Fee – $30.00
-Insufficient funds to cover own draft or ACH

Stop Payment Fee
– $5.00 UT bank check (after 90 days)
– $5.00 own draft or ACH
– + $20.00 additional when presented

Check copy – $1.50

Return of a Deposited Item – $10.00 fee

Monthly Statement Provided
– Additional copies or history $1.00 per page

Returned mail (bad address) fee: $2.00

Benefits

UTFCU Member Benefits

Savings Certificates

12, 24, 36, 48 and 60 months – $1000 minimum
Early withdrawal penalty 12, 24, 36 month= 90 days dividends, 48, 60 month = 180 days dividends

IRA Certificates

12, 24, 36, 48 and 60 months – $2000 minimum
Early withdrawal penalty 12, 24, 36 month= 90 days dividends, 48, 60 month = 180 days dividends

Club Accounts

Individual Retirement Accounts

  • $100 minimum, $10.00 annual fee, <$500 balance
  • $25.00 early withdrawal fee