SCAM ALERT: If you receive a text message asking you to confirm a cash transaction by replying "Yes" or "No," do not respond. This is a scam. The message claims to be from the PATENT & TRADEMARK OFFICE F.C.U. SECURE FRAUD ALERTS, but we do not send out fraud alerts. Stay vigilant and protect your information.

We will be closed on July 4th in observance of Independence Day and reopen on July 7th at 9:00 a.m.  If the federal government closes early on July 3rd, we will close at 1 p.m.

Fee Schedule
Effective Date: Thursday, July 3rd, 2025
Fee TypeFee
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
   

Certain fees will increase effective March 15, 2024

*Additional fees may be charged by the ATM owner.
**The first replacement card is free.
***Additional fees may be charged.