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Inactivity Fees
What are inactivity fees?
These are fees that begin to be assessed when a member only has a share account with TobyFCU and that account has been inactive for 6 consecutive months.
Help! How do I prevent these fees?
Easy! Just use your account. Let's look at some of the possible reasons you opened this account.
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Rainy Day/ Emergency Fund - If this is the case, we recommend setting up an allotment into this account. A portion of your paycheck, any amount you determine, will go into this account automatically. This will build your savings to make sure you have funds available when you are ready to use them.
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Second account - This means you have a first account somewhere else. What makes that financial intuition a better fit than TobyFCU? Get to know us. You might find out we're so much more than you thought.
Fees are not assessed to accounts with:
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An auto loan, signature loan, or home equity loan.
When was the last time you had a FREE credit report analysis? Come in and let one of our experts look at your credit report. We will talk to you about your score, explain what makes up your score, and if we can save you money, we will!
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An active checking account.
We require no minimum balance, offer 1st box of checks free, free debit card with access to over 37,000* surcharge free ATMs, and courtesy pay.
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A money market account.
Are your savings greater than $2,500.00? Why not open a money market account, earn more dividends, and still have access to your funds.
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Active Certificates of Deposit.
You work hard for your money. Make your money work hard for you. Learn more about opening one of our traditional certificates or our unique savings tools.
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A TobyFCU Credit Card.
Looking for a great low rate? Look no further.
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A Student Line of Credit.
Are you in college or do you have children in college? We offer a student lending product that is available only through credit unions. Call (866) 237-1453 to find out more about funding your education through Credit Union Student Choice.
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Inactivity fees are not assessed on youth accounts where the primary member is under the age of 18.
If you have any questions or concerns, please e-mail us.
*Allpoint network. Visit at http://www.allpointnetwork.com.
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