| Fee Schedule |
| Effective Date: Tuesday, October 28th, 2025 |
| Fee Type | Fee |
| New Member Fee |
Par Value ($25.00) |
| 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 |
$35.00 |
| Money Order (each) |
$2.00 |
| Money Order Stop Payment |
$15.00 |
| Coin Exchange Fund Fee |
$25.00 |
| ACH Origination |
$5.00 |
| Wire Transfer Domestic |
$30.00 |
| Wire Transfer International |
$40.00 |
| Account Research/Per Hour |
$25.00 |
Dormant Account/Per Quarter
(no activity for 1 year/effective Jan. 1, 2011) |
$20.00 |
| Closing Primary Account within 6 months of opening |
$25.00 |
| Reopen Closed Share Account |
$10.00 + Par Value ($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
Per-Check Charge |
$5.00
None |
| Check Reorders |
At Cost |
| Copy of Share Draft |
$5.00 |
| Returned Share Draft Check (NSF)*** |
$35.00 |
| Returned Electronic ACH (NSF)*** |
$35.00 |
| Returned Check Deposited or Cashed |
$30.00 |
Overdraft Transfers/Per Transfer
After 6 per month |
$5.00
|
| ATM Services |
| 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** |
$10.00 |
| 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 Overdraft |
$35.00 |
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
|
$20.00
|
| Request to pay-off loan with us |
$10.00 |
| Loan Extension Agreement |
$15.00 |
| Duplicate Lien Release |
$17.00 |
| 1st Payday Loan Request (per year) |
$25.00 |
| 2nd Payday Loan Request (per year) |
$50.00 |
| 3rd Payday Loan Request (per year) |
$75.00 |
| 4th Payday Loan Request (per year) |
$100.00 |
*Additional fees may be charged by the ATM owner.
**The first replacement card is free.
***Additional fees may be charged.
