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Fee Schedule

Effective Date: December 21, 2018
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:

Per Check/Facsimile: $10.00

Stop Payment on Share Draft, Official Check,
or Electronic ACH:

Money Order: $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:
(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: $25.00

Money Market:
Withdrawal Below $500.00 minimum

Dividend penalty

Over 5 Withdrawls/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:



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


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:


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
Home Equity Loan Application: $25.00
Late Payment for Loans: 5% of payment due

Skip-A-Payment/Per Approved Request:
(effective Nov. 1)




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

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