Schedule of Fees
"The Fee Schedule sets forth certain conditions, fees and charges applicable to all accounts at Peoples Trust Credit Union as revised effective February 1, 2011. This schedule is incorporated as part of the Truth in Savings disclosure."
| Monthly Account Maintenance Fee |
$ 3.00 |
| (Charged if account balance of at least $100 is not maintained; waived during first 2 months account is open, or if member: a) has Direct Deposit of at least $400 per month of paycheck or other recurring deposit, and a Checking Account; b) has at least $1,000 in any Savings Account other than Checking; c) has a loan balance of at least $1,000 and no past due loans; d) is a VIP member; or, e) is under age 23).
|
| Re-Open Share Savings Account (Charged if reopen within one year) |
$ 10.00 |
| Overdraft Transfer Fee (From a savings account) |
$ 2.00 |
| Monthly Account Maintenance Fee |
$ 5.00 |
|
(Applies to interest checking accounts only; charged if
account balance of at least $2,500 is not maintained throughout the entire month)
|
| Check Printing Charges (Some check styles free for VIP Members) |
Varies |
| Copies of Checks (per check; free online) |
$ 3.00 |
| Certified Check (per check) |
$ 3.00 |
| Stop Payment Request |
$25.00 |
| NSF Checks (per check each time presented) * |
$29.00 |
| Courtesy Pay Fee * |
$29.00 |
| * (Checks, point-of-sale, debit card, bill pay or online transactions) |
| ATM / Visa Debit Card Withdrawal Fee (Non-Proprietary ATM) |
$ 1.50 |
| (Fee at Non-Proprietary ATM; 4 free per month if member: a) has Direct Deposit of at least $400 per month of paycheck or other recurring deposit; b) has at least $1,000 in any Savings Account other than Checking; c) has a current loan with a balance of at least $1,000 and no past due loans; d) is a VIP member; or, 10 free withdrawals per month if member is under age 23) |
ATM / Visa Debit Card Account Inquiry (at Non-Proprietary ATM)
(No charge for QT - Audio Inquiry) |
$ 1.00 |
International Transaction Fee
(Assessed on
foreign cash advances, purchases and credits with the VISA Debit Card) |
1% of transaction amount |
| Duplicate ATM / Visa Debit Card "PIN" Number |
$ 2.00 |
| ATM Surcharge |
$ 2.50 |
| (Proprietary ATM with Non-PTCU ATM Card or Debit Card) |
| ATM / Visa Debit Card Sales Draft Copy |
$ 5.00 |
| ATM / Visa Debit Card Replacement (Charged for third and subsequent cards) |
$10.00 |
| ATM / Visa Debit Card Capture Fee (Charged for misuse) |
$25.00 |
| ATM Check Deposit Returned NSF |
$29.00 |
| ATM / Visa Debit Card Negative Balance Fee |
$29.00 |
| ATM / Visa Debit Card Overnight Delivery |
$75.00 |
| Written Mortgage or Home Equity Payoff Letter |
$10.00 |
| Lien Placement Fee |
$15.00 |
| Home Equity Draft - Stop Payment Fee |
$25.00 |
| Home Equity Draft - NSF Fee |
$29.00 |
| Subordination Fee |
$35.00 |
| Home Equity Early Termination Fee (within 2 years) |
$200.00 |
| Mortgage Modification (once per mortgage) |
$500.00 |
| Home Equity Loan Drafts |
Varies |
| Line-of-Credit Drafts |
Varies |
| Mortgage Discharge Fee |
Varies |
| Mortgage Loan Points and Origination Fees |
Varies |
Late Fee
20% of interest due charged when loan 25 days late, maximum $300, minimum $10.00; Waived if Disability or Credit Life claim in process |
| Visa Credit Card Sales Draft Copy |
$ 5.00 |
| Visa Temporary Increase |
$10.00 |
| Visa Card Replacement (3rd and subsequent cards) |
$10.00 |
| Visa Late Fee (Applies when payment is 5 days late) |
$25.00 |
| Visa Card Capture Fee (If misuse) |
$25.00 |
| Visa Returned Payment Fee |
$25.00 |
| Bill Payment Stop Payment Fee |
$25.00 |
| ACH Stop Debits |
$25.00 |
| ACH Debits Returned NSF or Courtesy Pay Fee |
$29.00 |
| Bill Payment NSF or Courtesy Pay Fee |
$29.00 |
| Non-Member Fees Do Not Apply To Shared Branch Members |
| Print Account History (Charged per page) |
$ 1.00 |
| Service Center Withdrawal |
$ 1.50 |
| (4 free per month if member a) has Direct Deposit of at least $400 per month of paycheck or other recurring deposit; b) has at least $1,000 in any Savings Account other than Checking; c) has a loan balance of at least $1,000 and no past due loans; or d) is a VIP member.)
|
| Money Orders (VIP Members 15 Free; $2.50 for non-members) |
$ 1.50 |
| Bad Address Fee (Charged per returned envelope) |
$ 2.00 |
| Corporate Draft Payable to another party; or to the member and/or another party (excludes loans; $3.00 non-members) |
$ 2.00 |
| Verbal Phone Transfer (From share or loan to checking) |
$ 2.00 |
| Copy of Monthly Statement |
$ 3.00 |
| Certified Corporate Draft ($4.00 non-members) |
$ 3.00 |
| Dormant Account Fee (After 1 year if below $100) |
$ 4.00 |
| Replace Stale Dated Corporate Draft (If draft is over sixty days old) |
$ 5.00 |
| Wire Transfers to Domestic Financial Institutions |
$10.00 |
| Wire Transfers on Business or Organizational Account |
$10.00 |
| Account Verification Fee |
$15.00 |
| Subpoena Processing Fee (Hourly amount) |
$15.00 |
| Cashing Foreign Checks Other Than Canadian |
$20.00 |
| Skip-a-Payment Fee (Holiday program; fee per loan) |
$20.00 |
| Stop Payment on Corporate Draft Payable to Member |
$25.00 |
| Account Research Per Hour Minimum |
$25.00 |
| Escheated Account Fee |
$25.00 |
| NSF Deposit (Return of deposited item) |
$29.00 |
| Returned Checks Drawn by Member (per item) |
$29.00 |
| Garnishment or Tax Levy |
$30.00 |
| Wire Transfers to Foreign Financial Institutions |
$30.00 |
| Travelers Checks (No charge for VIP Members) |
1% of amount |
| 2-Signature Checks (No charge for VIP Members) |
1.5% of amount |
| Coin Counter (non-members only) |
10% of amount |
