Postal Federal Community Credit Union

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Fee Schedule

Products/Services

Postal Federal Community Credit Union
Notice of Fee Schedule – Revised February 17, 2009

Share draft accounts:

$25 charge for each draft returned for non-sufficient funds.
$25 charge for each insufficient funds draft paid.
$25 charge for stopping payment of draft or electronic funds transfer (ACH).
$25 charge for stopping payment of electronic funds transfer (ACH) and return.
$25 charge for stopping payment on each group of consecutive drafts.
$1 per automatic overdraft transfer from shares to share draft.
$3 charge for copy of previous month statement (each additional month $1.00 if requested at same time).
$2 charge for cut-off statement from last statement ending date to present.
$1.25 charge for copy of a cleared draft.
$20 charge per hour to balance check book with $20 minimum.
$.25 per blank counter check, up to 12 free for new accounts.
$25 charge to send letter for former members with share draft accounts closed for NSFs to another financial institution regarding the status of their NSFs.
Bill Pay
$3.95 per month for Basic Checking Accounts.
$2.95 per month for Advantage Checking Accounts.
No charge per month for Advantage Plus Checking Accounts.
No charge per month for members utilizing eStatements.

Business share draft accounts

$.10 per item (check) fee for each deposited or cashed item (check) over 20 in one day.

Christmas Club Accounts

$10 charge for accounts closed early (prior to Oct. 1st).

ATM

$3 for replacement cards or re-issue of PIN from card issuer.
$6 for card and PIN replacement.
$45 for card or PIN rush order plus replacement costs.

Basic Checking -no fees if member uses an ATM owned by Postal Federal Community Credit Union or other designated ATM(s). Otherwise the fees shown below apply.

Advantage Checking -member receives 6 free transactions (withdrawals and or inquiries) in a calendar month unless ATM is owned by Postal Federal Community Credit Union or other designated ATM(s). All transactions after the first 6 have the fees shown below.

Advantage Plus Checking- member receives 12 free transactions (withdrawals and or inquiries) in a calendar month unless ATM is owned by Postal Federal Community Credit Union or other designated ATM(s). All transactions after first 12 have the fees shown below:

ATM Fees

Withdrawals $1
Deposits no charge

Inquiries $1
Transfers no charge

VISA (credit card)

$3 for card or PIN replacement.
$6 for card and PIN replacement.
$25 for card or PIN rush order/2 day delivery plus replacement costs.
$50 for card or PIN rush order/next day delivery plus replacement costs.
$3 charge for copy of previous month statement (each additional month $1.00 if requested at same time).
$7 for copy of sales draft.
$25 if over credit limit fee.
$15 returned check charge.

VISA (debit card)

$20 for each negative balance occurrence.
$3 for card or PIN replacement.
$6 for card and PIN replacement.
$45 for card or PIN rush order plus replacement costs.
$7 for copy of sales draft Transfers.

Wire services:

$20 charge for outgoing bank wire.
$25 charge for outgoing Western Union wire.
$10 charge for incoming wire.
$35 charge for international wire.

Safe Deposit Boxes

3x5 box $14
5x10 box $37

3x10 box $25
10x10 box $65

Miscellaneous charges:

$2 charge for each teller check.
$3 charge for each cashier's check
$10 for each collection letter written by our attorney.
$5 charge each for excessive share withdrawals (over 6 in quarter).
$10 charge for share accounts closed within 90 days of opening or re- opened within 90 days of closing.
$2 charge (per) for first, $1.00 each additional page to fax documents.
$1 charge per money order.
$ .10 charge per copy for copies of member documents.
$20 charge per hour for account research. ($20 minimum).
greater of $8 or 2% of garnishment amount.
$20 for first party NSF checks deposited with credit union.
$25 for non sufficient funds ACH item.
$25 charge to third party for check collection on member acct.
$20 charge for research and letter on accounts reported to ChexSystems.
$1 for address correction by Postal Service due to failure to notify credit union of change.
$5 per quarter inactive account service fee for each share or share draft account on members 19 years of age or older with balances of less than $100 and no transactions by the member in the past year.
$20 loan origination fee for closed end consumer loans of $1,000 or more, not fully secured by shares.
$15 loan origination fee for closed end consumer loans of $999.99 or less, not fully secured by shares.
$15 per I.R.A. transfer to another financial institution.
$30 skip a payment fee or 10% of the loan payment, whichever is less.