As the outbreak of the Coronavirus continues to affect people around the world, we have modified our operating hours.  Effective Monday, March 23, 2020, our lobby we will open from 9:00 AM to 12:00 PM Monday through Friday.  We encourage members to use Mobile Banking and Online Banking to access your account.

Fee Schedule
Effective Date: July 19, 2019
Fee TypeFee
New Member Fee Free
Account History/Per Page $2.00
Copy of Statement $5.00
Certified Check $7.00
Official Check $5.00
Returned Mail/Per Piece $5.00
Copy of Official Checks  
Per Check/Regular Mail $5.00
Per Check/Facsimile $10.00
Stop Payment on Share Draft, Official Check,
or Electronic ACH
$30.00
Money Order (each) $2.00
Money Order Stop Payment $15.00
Coin Exchange Fund Fee $25.00
Western Union Domestic Wire $20.00 (under $100.00), $30.00 ($100.00 and up)
Wire Transfer Domestic $20.00
Wire Transfer International $40.00
Account Research/Per Hour $25.00
Dormant Account/Per Quarter
(no activity for 1 year/effective Jan. 1, 2011)
$15.00
Closing Primary Account within 6 months of opening $25.00
Reopen Closed Share Account $25.00
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)

Per-Check Charge

$5.00
 

None

Check Reorders At Cost
Copy of Share Draft $5.00
Returned Share Draft Check (NSF) $32.00
Returned Electronic ACH (NSF) $32.00 *
Returned Check Deposited or Cashed $20.00
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) $35.00
ATM Share Overdraft (Balance Below $0.00) $35.00
ATM Replacement Card** $5.00
ATM PIN Replacement** $5.00 
Visa Check Card Services
Check Card Annual Fee None
Check Card (credit) Transaction Fee None
Point of Sale (POS) Fee None
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



$25.00

Visa Credit Card Services
Visa Annual Fee (Gold, Classic and Secured) None
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** $15.00
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

   

  Fee Schedule (pdf)

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