Schedule of Services and Fees

REVISED: November 2022

PCFCU Membership

Membership Share …..$5.00 par value

$5.00 must be maintained in Regular Share account to retain membership.

Checking Account Fees

Copy of Check….. $1.50 per copy

Check Copy Rush Service…..$3.00 per copy

Check Printing….. Prices vary per style

Non Sufficient Funds…..$25.00 per item

Overdraft fee…..$25.00 per item

Stop Payment…..$25.00 per item or series

Member Check Cashing … fee

Non-Member check cashing fee….10% of check

Excessive Overdraft Fee…..$25 after 10 days & $25 each 10 day increment.

Other Service Fees (applicable to all accounts)

Account History Printout…..$3.00 per copy

Account Reconciliation…..$25.00 per hour

Account Research…..$25.00 per hour


Inactive Account …..$2.50 per month after 5 years

International Wire Transfer…..$35.00 or actual

Domestic Wire fee…..$25.00  (incoming and outgoing)

Items Sent for Collection….. $10.00 per item

Incorrect Address…..$2.50 per piece

Pioneer Federal CU Check…..$5.00

Deposited Return Item…..$25.00 per item

Money order….. $1.00

NSF on ACH…..$25.00 per item

Overdraft on Shares…..$25.00 per item

Safe Deposit Box Rent   5 x 5…..$20 per year

Notary Service… fee for members

Copy Machine…..25 cents per page

Fax, incoming & outgoing…..$1.00 per page

Maintenance Fees/Share Draft Accounts

CHOICE Checking                          NO SERVICE FEE

Non-profit Club and Organizations NO SERVICE FEE

Youth (up to age 18)                       NO SERVICE FEE

Full Time students (up to age 24)   NO SERVICE FEE

Individual Accounts…..$5.00 per month

Business Accounts…..$10.00 per month

Add’tl fee for Non-truncated…..$2.00

Premium Gold Account ….. $15.00 per month

*Free or reduced price on share drafts

*Free Notary Service

*Free Fax Service

*Free Check Return

*Free 20 copies per month

*Free money orders

Debit Card Fees

Overdraft fee on account…..$25.00 per item

Replacement Card…..$5.00


Bylaw requirements:  If the balance in your Share Savings account falls below the par value of one share, and you do not increase the balance to at least the par value of one share within 60 days of the reduction, you may be terminated from membership immediately.

Transaction limitation:  We reserve the right to at any time require not less than seven day notice in writing before each withdrawal from a dividend-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

Nature of dividends:  Dividends are paid from current income and available earnings after required transfer to reserves at the end of the dividend period.

National Credit Union Share Insurance Fund:  Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.