Fee Schedule
The Fee Schedule sets forth certain conditions, fees and charges applicable to all accounts at People Driven Credit Union as revised effective January 1, 2015. This schedule is incorporated as part of the Truth in Savings disclosure.
Account Fees
| Monthly Share Savings Account Maintenance Fee (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; 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; d) is a SPP** member; or e) is under age 23). | $3.00 |
| Re-Open Share Savings Account (Charged if reopen within one year) | $15.00 |
| Overdraft Transfer Fee (From a savings account) | $3.00 |
| Monthly Checking Account Maintenance Fee (Applies to Interest Checking Account; charged if account balance of at least $2,500 is not maintained throughout the entire month) | $5.00 |
| Check Printing Charges (Some free for SPP** member) | Varies |
| Copies of Checks (Per check; free online) | $3.00 |
| Checkbook Balancing / Hour (By appointment only) | $25.00 |
| Stop Payment Request* | $30.00 |
| NSF Deposit (Per deposit, each time presented) * | $30.00 |
| Courtesy Pay Fee*† | $30.00 |
| Returned Checks Drawn by Member (Per item) | $30.00 |
*Checks, returned deposited checks, ACH, point-of-sale, ATM/debit card, corporate draft, L.O.C. draft, bill pay or online transactions
† Courtesy Pay Disclosure:
Payment by the credit union is a discretionary courtesy and not a right of the member or an obligation of the credit union. This privilege for consumer share draft accounts will be limited to a maximum amount of either $500, or $1,000 overdraft (negative) balance. Transactions types that are eligible for courtesy pay include and are limited to: ACH transactions, Drafts and On-Us Checks at the Teller Counter, return of unpaid funds deposited into an account, charges to an account for applicable service charges and fees, point of sale transactions and the deposit of items by a member to their account which according to our Funds Availability Policy are treated as not yet available or finally paid, ATM & One-time Debit Card Transactions. You must bring your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours. The credit union, in its discretion, can cancel this protection and cease paying overdrafts at any time without prior notice of reason or cause.
ATM/Visa Debit Card Fees
| ATM/Visa Debit Card Withdrawal Fee at Non-PDCU 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; d) is a SPP** member; or, 10 free withdrawals per month if member is under age 23) | $1.50 |
| ATM / Visa Debit Card Account Inquiry Non-Proprietary ATM; no charge for QT, mobile or online inquiry) | $1.50 |
| International Transaction Fee (Assessed on foreign cash advances, purchases and credits with VCC) | 1% of amount |
| ATM Surcharge (Proprietary ATM with Non-PDCU ATM card or debit card) | 3.00 |
| Check Deposit Returned NSF ($30 if drawn off of member account at other financial institution) | $10.00 / $30.00 |
| ATM / Visa Debit Card Overnight Delivery | $75.00 |
| ATM / Visa Debit Card Replacement Fee | $10.00 |
| ATM / Visa Debit Card Additional Card after Opening | $5.00 |
** SPP = Senior Power Pack Member
Loan Fees and Charges
| Loan Fees and Charges | $20.00 |
| Loan Reapplication Fee (Denied application, reapplies within 90 days) | $20.00 |
| Subordination Fee | $50.00 |
| Home Equity Early Termination (Within 2 years) | $250.00 |
| Mortgage Modification (once per mortgage) | $500.00 |
| Home Equity Drafts, Line-of-Credit Drafts, Mortgage Points, Mortgage Discharge & Origination | Fees Vary |
| Late Fee 20% of interest due when loan is 25 days late, maximum $300, minimum $10 waived for insurance claims | Fees Vary |
| Skip-a-Payment Fee (Per loan) | $25.00 |
Visa Credit Card Fees
| Visa Card Replacement Fee | $10.00 |
| Visa Replacement PIN | $5.00 |
| Visa Rush Card Order | $25.00 |
| Visa Temporary Increase/Rush Limit Increase | $10.00 |
| Visa Late Fee (Applies when payment is 5 days late) | up to $25.00 |
| Visa Returned Payment Fee | $30.00 |
Electronic Service Fees
| Funds Transfer thru Home Teller: Std/Prem | $3.00 / $7.00 |
| ACH Stop Debits | $30.00 |
| Bill Payment Stop Payment Fee | $30.00 |
| ACH Debits Returned NSF or Courtesy Pay Fee | $30.00 |
| Bill Payment NSF or Courtesy Pay Fee | $30.00 |
Other Fees and Charges
| Service Center Withdrawal (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; d) is a SPP** member.) | $1.50 |
| Money Orders (No charge for SPP** member) | $2.00 |
| Visa Prepaid Gift Card | $3.00 |
| Corporate Draft (1 free/day) | $3.00 |
| Certified Check | $4.00 |
| Wire Transfers: Domestic Financial Institutions | $20.00 |
| Wire Transfers: Foreign Financial Institutions | $35.00 |
| Verbal Phone Transfer (Free in Home Teller or QT) Within member account. No cross-member transfers by phone. Free for SPP** members | $5.00 |
| Dormant Account Fee - Per month. Dormant > 1 year Excluded if member has a mortgage, Visa or CD | $5.00 |
| Escheated Account Fee | $50.00 |
| Bad Address Fee (Per returned envelope) | $3.00 |
| Copy of Monthly Statement/Check Copy | $3.00 |
| Paper Statement Mailed No charge for SPP** members | $1.00 (avoid fee by signing up for eStatements) |
| Account History per page | $1.00 |
| Account Verification Fee | $15.00 |
| Account Research Per Hour Minimum | $25.00 |
| Subpoena Processing Fee (Hourly amount) | $20.00 |
| Garnishment or Tax Levy | $50.00 |
| Fax Fee (per page) No charge for SPP** members | $2.00 |
| Photo Copy Fee (per page, first page free) | $2.00 |
| Coin Counter (Non-members only) | 10% of amount |
** SPP = Senior Power Pack Member
(Non-member fees do not apply to shared branch members)
