| Savings/Membership |
|
| Membership |
FREE |
| Minimum Basic Savings Balance |
$5.00 |
| Monthly Service Fee |
FREE |
| Term Savings Early Withdrawal Penalty |
|
| Term 1 yr. or less - 90 days dividends |
|
|
Term 1 yr. or more - 180 days dividends
|
|
| Checking Fees |
|
| Monthly Service Fee |
FREE |
| Per-Check Charge |
FREE |
| Initial Minimum Deposit |
$30.00 |
| VISA Check/ATM (unlimited trans.) |
FREE |
| Certified Check |
$10.00 |
| Check Copy (In person) |
$7.00 |
| Check Copy (Online Home Banking) |
FREE |
| Stop Payment (per item) |
$25.00 |
| Cancellation of Stop Payment |
FREE |
| Putnam Overdraft Advantage (paid) |
$30.00 |
| Non-sufficient Funds (returned) |
$30.00 |
| Overdraft Transfer from Savings |
$18.00 |
| Deposit Item Returned |
$25.00 |
| Emergency Replacement Checks (4) |
$6.00 |
|
|
| |
| Business Checking |
|
| Initial Minimum Deposit |
$100.00 |
| Monthly Account Maintenance |
$20.00 |
| Waive Monthly acct Maintenance Fee (either): |
|
| - Share Account Balance |
$5,000 |
| - Loan Balance |
$25,000 |
| Deposits/ Deposit Items |
FREE |
| Debits (100 Per Month): |
FREE |
| Debits (Items over 100 per Month) |
.25 ea. |
|
Loan Fees |
|
| Consumer Late Payment Fee |
$30.00 |
| Satisfaction of Mortgage |
$100.00 + Recording Fee |
| Visa Classic/Gold Credit Card |
|
| Annual Fee |
FREE |
| Over Limit |
$30.00 |
| Replacement Card |
$5.00 |
| Late Payment |
$30.00 |
| Cash Advance (Same APR as purchases) |
FREE |
| Business Loan Late Payment Fee |
10% of Payment Amt |
| Business Loan Grace Period |
10 days |
|
Electronic Service Fees |
|
| PAR ( Putnam Audio Response) |
FREE |
| Online Banking |
FREE |
| Direct Deposit |
FREE |
| Online Bill Payment (with CK Acct) |
FREE |
| Check Copy (each) |
$5.00 |
| ATM/VISA Check Card |
|
| Annual Fee |
FREE |
| Unlimited Transactions |
FREE |
| Max. Withdrawal Per Day |
$400.00 |
| Replacement Card |
$5.00 |
| PIN Reissue |
FREE |
| PFCU Automated Teller Machine (ATM) |
|
| Unlimited Deposit/Withdrawal |
FREE |
| Non-PFCU ATM/Debit Card |
$2.00 |
| Deposit Item Returned |
$25.00 |
| Wire Transfers |
|
| Domestic Incoming |
$12.00 |
| Domestic Outgoing |
$25.00 |
| International Incoming |
$40.00 |
| International Outgoing |
$40.00 |
|
Additional Fees |
|
| IRA Closed Account Fee |
$35.00 |
| Cashiers/Official 3rd Party Check |
$5.00 each |
| American Express Checks |
|
| Travelers Checks |
$1 per $100.00 |
| Travel Card (reloadable) |
$14.95 |
| Gift Card |
$3.95 |
| Gift Checks |
$2.00 ea |
| Account Activity Printout |
$3.50 ea |
| Statement Copy |
$5.00 ea |
| Verification of Deposit |
$30.00 |
| Account Assistance |
|
| Research (15 min. increments) per hour |
$35.00 |
| Balancing (15 min. increments) per hour |
$35.00 |
| Collection Item |
|
| Incoming or Outgoing |
$20.00 |
| Bad Address/Return Mail (per occurrence) |
$5.00 |
| Garnishments and restraining notices |
$100.00 |
| Executions and levies |
$100.00 |
| Notary Service |
FREE |
| Medallion Signature Guarantee |
$20.00 |
| Rolled Coin/Strapped Currency (In/Out) |
.15 each |
| Dormant Account * per month |
$10.00 |
| * An account is considered dormant if for five (5) years there has been no communication with the PFCU and no withdrawals or deposits, other than dividends credited to the account. |
