Fee Schedule

[View Complete Rate Sheet]
October 1, 2010

New Member Fee:
$0.00
Account History/Per Page:
$2.00
Copy of Statement:
$5.00
Certified Check:
$7.00
Official Check:
$5.00
Copy of Official Checks:
 
Per Check/Regular Mail:
$5.00
Per Check/Facsimile:
$10.00
Returned Mail/Per Piece:
$5.00
Stop Payment on Share Draft, Official Check, or Electronic ACH:
$25.00
Western Union International Wire:
$30.00 (subject to additional charges)
Western Union Domestic Wire:
$20.00 (under $100.00), $30.00 ($100.00 and up)
Wire Transfer International:
$35.00
Wire Transfer Domestic::
$20.00
 
 
Cheques for Two/Per $100.00:
$1.75
Gift Cheques/Per Package:
$2.50
Money Order:
$2.00
Account Research/Per Hour:
$15.00
Dormant Account:
(no activity for 1 year.effective Jan. 1, 2011)
$15.00/Per Quarter
Closing Primary Account within 6 months of opening:
$25.00
Reopen Closed Share Account:
$10.00
Money Market:
Withdrawal Below $500.00 minimum
Dividend penalty
Over 5 Withdrawals/Month
$5.00 each
Share Certificate Early Withdrawal Penalty:
$100.00 or 3 months dividend, whichever is greater
Share Draft Checking Account Services
 
Balance Below $1000.00/Per Month (effective 11-1-2010):
$5.00
Per-Check Charge:
None
Check Reorders
At Cost
Copy of Share Draft:
$5.00
Returned Share Draft Check (NSF)
$30.00 *
Returned Electronic ACH (NSF):
$30.00 *
Returned Check Deposited or Cashed
$15.00
Overdraft Transfers/Per Transfer:
After 6 per month
$5.00
ATM Services
 
ATM Annual Fee:
None
ATM Transaction (PTOFCU ATMs)
Free
ATM Transaction (Non-PTOFCU ATMs) **:
$1.00
ATM Share Overdraft (Balance Below $25.00)
$30.00
ATM Share Overdraft (Balance Below $0.00):
$30.00
ATM Replacement Card: ***
$5.00
ATM PIN Replacement:
$5.00 ***
Visa Check Card Services
 
Check Card Annual Fee:
$0.00
Check Card ('credit') Transaction Fee
$0.00
Point of Sale (POS) Fee:
$0.00
Check Card Replacement Card:
$10.00
Check Card PIN Replacement:
$5.00
Check Card Overdraft:
$30.00
Check Card research of charge-back or dispute that is proven to be a member authorized transaction:
$20.00
Visa Credit Card Services
 
Visa Annual Fee (Gold, Classic and Secured):
$0.00
Visa Cash Advance:
$2.00
Visa Over Limit:
$15.00
Visa Late Payment:
5% of payment due or $15.00, whichever is greater (fee imposed after 10 days)
Visa Replacement Card:
$10.00
Visa PIN Replacement:
$5.00
Loans:

Home Equity Loan Application:
$25.00
Late Payment for Loans:
5% of payment due
Skip-A-Payment/Per Approved Request: (effective Nov. 1)
$15.00


*Additional fees may be charged by the ATM owner.
**First replacement card and replacement PIN are free.

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