Carolinas Telco Federal Credit Union

Headquarters: Charlotte, North Carolina
Charter: Credit Union
Assets: $506.3M
Fed district: Richmond

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Carolinas Telco Federal Credit Union: $35
Carolinas Telco Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Carolinas Telco Federal Credit Union: $35
Carolinas Telco Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Carolinas Telco Federal Credit Union: $20
Carolinas Telco Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
North Carolina: Banks and credit unions headquartered in North Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Carolinas Telco Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure$25
Dormant Account Fee$15
per month
Escheat Fee$75
Account Reconciliation Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address Fee$10
per month

Overdraft & NSF

Courtesy Pay Fee$35
per item
Debit Card Overdraft$35
per item
ACH NSF Fee$35
per item
NSF Fee$35
per item
Returned Item Fee$35
per item

ATM & Card

Card Replacement Fee$5
per item
Card Rush Fee$40
per item
Currency Conversion Fee1%of the transaction
Currency Conversion Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfer Fee - Outgoing$20
per item
Wire Transfer Fee - Incoming$10
per item

Check Services

Stop Payment Fee$30
per item
Counter Checks$1
per item
Item Sent for Collection Fee$10
per item
Check Copies$2
per item
Copy of Official Check$5
per item

Account Services

Legal Process (tax levies, summons, etc.)$75
per item
Mortgage Verification of Deposit$10
per item

Gift & Prepaid Cards

Gift Card Fee$3
per item

Other Fees

Copy of IRS Form$2
per item
Statement Copies$2
per item
Skip A Payment Fee$40
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$25	Not stated	None
Dormant Account Fee	$15	per month	None
Escheat Fee	$75	Not stated	None
Account Reconciliation Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address Fee	$10	per month	None
Overdraft & NSF
Courtesy Pay Fee	$35	per item	None
Debit Card Overdraft	$35	per item	None
ACH NSF Fee	$35	per item	None
NSF Fee	$35	per item	None
Returned Item Fee	$35	per item	None
ATM & Card
Card Replacement Fee	$5	per item	None
Card Rush Fee	$40	per item	None
Currency Conversion Fee	1%of the transaction	Not stated	None
Currency Conversion Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Fee - Outgoing	$20	per item	None
Wire Transfer Fee - Incoming	$10	per item	None
Check Services
Stop Payment Fee	$30	per item	None
Counter Checks	$1	per item	None
Item Sent for Collection Fee	$10	per item	None
Check Copies	$2	per item	None
Copy of Official Check	$5	per item	None
Account Services
Legal Process (tax levies, summons, etc.)	$75	per item	None
Mortgage Verification of Deposit	$10	per item	None
Gift & Prepaid Cards
Gift Card Fee	$3	per item	None
Other Fees
Copy of IRS Form	$2	per item	None
Statement Copies	$2	per item	None
Skip A Payment Fee	$40	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Carolinas Telco Federal Credit Union's ach origination changes in our data

We check once a day and send one email covering every change.