Truth in Savings / Fees
Truth In Savings Disclosures
Truth In Savings for Share Accounts
Truth In Savings for Share Certificates
| Sure Pay Fee (Applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or by other electronic means) | $35.00 |
| Returned Draft (Check) | $35.00 |
| NSF (Non-sufficient Funds) Items | $35.00 |
| Returned POS/ATM Items | $35.00 |
| Second Party Check | $5.00 |
| Returned Electronic Withdrawl | $35.00 |
| Stop Payment (No charge for e-branch or SMARTline) | $20.00 |
| Share Draft/Check Copy (No charge for e-branch or SMARTLine) | $2.00 |
| Starter Drafts (Checks) (Available forShare Draft Checking Accounts only) | Free |
| Research/Reconcilement | $25.00/hr. ($25.00 minimum) |
| Overdraft Protection (Transfers in excess of 3 per/month) | $5.00/each |
| Histories/Printed Account Status | $3.00/page**Free when generated with e-Branch |
| Account Reinstatement (Within One Year) | $25.00 |
| Loose Coin Counting | 5% of dollar amount ($2.00 minimum) |
| Microfiche Copy of Statement | $3.00/page**No charge through e-BRANCH |
| Photocopies | FREE |
| Faxes | FREE |
| Money Order | $2.00 |
| Traveler's Checks (Regular) | FREE |
| Traveler's Checks for Two | $.50/per $100 |
| Outgoing Wire Transfer (Domestic) | $15.00 |
| Outgoing Wire Transfer (International) | $45.00 |
| Dormant Accounts | $3.00 per month (Prime share balance of $100 or less after one year of inactivity) |
| STAR Additional/Replacement Card | $5.00 |
| ATM Fee (Cash withdrawals in excess of 6 per/month at an ATM machine) | $1.00 each after first 6 |
| ATM Overdraft | $35.00 |
| ATM Misuse Fee | $25.00 (Plus possible forfeiture of ATM privileges) |
| ATM/Check Card Charge Back Fee | $20.00 |
| ATM surcharge (non PFCU cardholders) | $2.00 |
| Cashier's Check
|
$3.00 |
| Skip-A-Month (Fee applied to closed-end loans only) | $15.00 |
Originating Withdrawals(ACH)
There is no charge for this service.
Safe Deposit Box
| 3 x 5 | $15.00 |
| 3 x 10 | $25.00 |
| 5 x 10 | $30.00 |
| 10 x 10 | $55.00 |
| Key Replacement | $10.00 |
| Lock Replacement | $100.00 |
VISA Gift Cards.............................................................$3.95
| Replacement Card.............................................$5.00 |
| Monthly maintenance fee (waived 1st 6 months)...$2.95/month |
VISA Debit Cards ..........................................................Exchange Rate
The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date, plus a 1% International Service Assessment Fee.
VISA Debit Cards...........................................................Special Delivery
4 Day Rush Delivery......................................................$35
3 Day Rush Delivery .....................................................$60
Saturday Delivery .........................................................$75
Check Usage Fee (in excess 30/month)
$.10 per check after first 30
PLEASE NOTE: PFCU will determine the Check Usage Fee based upon the number of checks that clear the member's account NOT the number of checks written each month.
Non-Member Check Cashing Services
$5.00 per item
Charge to non-members presenting Patriot Federal Credit Union share draft check(s) for payment.
Member Check Cashing Privileges
PFCU will no longer provide check-cashing services, of any kind, for those members not in good standing with PFCU. A member not in good standing is a member who has caused a financial loss to the credit union such as loan default, bankruptcy discharge, forgery, fraud, or check kiting. Members involved in physical abuse, harassment or verbal abuse toward employees or other members may also be denied this service.
Dormant Accounts
$3.00 per month (Applied after one year of inactivity to balances of $100 or less in prime share)
Escheat Fee
$25.00 (Applied to dormant accounts - IE in MD after no activity for 3 years - all other states 5 years)
Attachment/Garnishment/Levy Fee
$100.00 (Applied at time attachment/garnishment/levy fee is placed and includes FIDM [Domestic Relations] notices)
Share Draft Reinstatement Fee
$25.00 (Applied to share drafts closed voluntarily or involuntarily and reopened within a 1-year period)
Rev 03/10/10
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