| GENERAL |
| Effective January 1, 2008 |
|
Membership Fee (Non-Refundable)
|
$5.00 |
| Closing Account Within the First 90 Days of Opening |
$15.00 |
| Copy of Statement/Account History Printouts |
|
Most Recent Two Months
|
$1.00 |
Previous Periods (More Than 2 Months)
|
$3.00/Stmt |
Previous Periods - Same Day Availability
|
$5.00/Stmt |
| Money Orders (Maximum $500.00) |
$3.00 Ea. |
| American Express Travelers Cheques |
|
Regular (Free with Loan or Account Balance Greater than $2,000.00
|
1% of Purchase |
"Two Signature Cheques"
|
1% of Purchase
|
American Express Gift Cheques
|
$2.00 |
| Cashier's Check, Per Check |
$5.00 |
| Credit Union Check (free if over $1,000.00 or if made payable to self). |
$5.00 |
| Copy of Credit Union or Cashier Check |
$5.00 |
| Stop Payment on Credit Union or Cashier's Check |
$15.00 |
| Cancellation of Stop Payment on Credit Union or Cashier's Check |
$3.00 |
| Wire Transfer - Domestic Outgoing |
$20.00 |
| Wire Transfer - International Outgoing |
$40.00 |
| Wire Transfer Incoming (Domestic or International) |
$5.00 |
| Wire Transfer Trace |
$15.00 |
| Western Union Travel Emergency Service |
Cost + $10.00 |
| Notary Service, Per Signature (No charge for PTFCU documents) |
$5.00
|
| Notice of Es cheat/Inactive Account (after 12 months) |
$2.00 |
| Inactive Account (Minimum $500/Inactive after 12 mo. / w exclusions) |
$2.00/Mo. |
| Inactive Account LOC (No Balance, No Transaction for 12 Mo. Period) |
$10.00 |
| Locater Services, Obsolete Address (per year) |
$5.00 |
| IRA (Individual Retirement Account) Closure/Transfer Fee |
$20.00 |
| Re-Open Membership Fee |
$5.00 |
| Multiple Account Fee (Each Account Over 1) |
$2.00/Mo. |
| Copy of Check Deposited by Member |
$8.00 |
| Rush Delivery Charge (Overnight) |
$20.00 |
| Rush Delivery Charge (Saturday Delivery) |
$30.00 |
| Returned Mail Due to Failure to Notify CU of Address Change/Uninitiated Address Change |
$5.00 |
| Verification of Deposits |
|
Normal Handling
|
$10.00 |
Same Day Rush
|
$25.00 |
| Real Estate Pay Off Demand Fee |
$40.00 |
| Social Security Error |
$50.00 |
| CHECKING |
| Monthly Checking Account Fee |
No Charge |
| Printing of Personalized Checks |
Cost |
| Non-Sufficient Funds (NSF)/Uncollected Funds Ret Items (Shares & LOC) |
See Below |
Share Drafts, ACH, Preauthorized Debits (per item)
|
$20.00 |
|
COURTESY PAY
|
|
|
Effective July 1, 2010
|
|
| ACH, ATM, Check and Debit Card - Paid |
$25.00 per item |
|
Elite Money Manager (Below $2,500 Minimum Balance Fee)
|
$5.00/Mo. |
| Deposit Returned Unpaid- Member Check (per item) |
$15.00 |
| Deposit Returned Unpaid- Third Party Deposit (per item) |
$8.00 |
Stop Payment of Share Draft, ACH or PAD
(per item or range stop) with reasonable, timely notification |
$15.00 |
| Cancellation of Stop Payment |
$5.00 |
| Retrieval and Copy of Paid Check per item (2 free/month) |
$2.00 |
| Check Paid by Overdraft (Savings) |
$3.00 |
| Rush on New Checks Order |
Cost + $3.00 |
| Loan Reapplication Fee (Within 4 months) |
$25.00 |
| Statement Reconciliation Assistance/Account Research, per hour (1/2 hour minimum) |
$10.00 |
|
ATM/DEBIT CARD/ELECTRONIC SERVICES
|
|
| Replacement Card/PIN |
$5.00 |
| ATM Card Rush Order |
$30.00 |
| ATM Deposit Adjustment Fee |
$10.00 |
| ATM Withdrawal NSF (per item) |
$15.00 |
| ATM Withdrawal using an ATM Card - Savings Account Only (per withdrawal) |
$1.00 |
| Compliance with Legal Order or Member Request to Comply |
|
Levy/Legal Order Processing Fee (per incident)
|
$20.00 |
Minimum Billing
|
$5.00 |
Labor, Per Hour (Minimum 1 Hour)
|
$20.00 |
Statements, Per Statement Period
|
$1.00 |
Appearance at Hearing, Per Day
|
$35.00 |
Documents, Per Page, Per Copy
|
$0.20 |
Mileage Round Trip (Per Mile)
|
IRS Rate |
| Withdrawals in excess of 4 in a month, per withdrawal |
$2.00 |
| Holiday Club Early Withdrawal Fee (per withdrawal) |
$10.00 |
| ATM FEES |
| Annual ATM Card Fee |
No Charge |
| Transaction Fee at a Network ATM (other institution fees/surcharges may apply) |
No Charge |
| Point of Sale(POS) - Subject to Merchant Fee |
No Charge |
| ATM Empty Envelope Deposit Fee (per incident) |
$25.00 |
|
CREDIT CARD FEES
|
|
| Over-the-Limit |
$10.00 |
| Late Payment |
$10.00 |
| Card Replacement |
$5.00 |
| Document copies (sales draft or billing statement) |
$5.00 |
| Charges for Convenience Checks |
See Below |
Return Check Fee
|
$10.00 |
Check Copy Fee
|
$3.00 |
Stop Payment Fee
|
$8.00 |
| VISA Gift Card Fee |
$3.00 |
| Electronic Payment Fee |
$10.00 |
| Inactive Account Fee (12 months, no balance, no activity) |
$10.00 |
