Loans Savings (Shares) Certificate & Rates Service Fees

Effective as of: 10/01/2023
Share and Draft Account
Share Account with $25 minimum balanceFree
Under Minimum balance for over 90 days$5.00 per month
Dormant Account$2.00 per month
Share Draft Monthly Fee
Members 55 and overFree
Share Draft Daily Balance of $100 or moreFree
Share Draft Balance falls below $100$2.00 per month
Business Service Charge$5.00 per month
NSF Fee (per item)$35.00
Overdraft Fee (per item)$35.00
Stop Payment Request$30.00
Cancel Stop Payment
ATM/Debit CardFree
Replacement for lost ATM/Debit Card$15.00
Rush Deliveryvaries
ATM Withdrawal
PFCU ATMs and MoneyPass ATMsFree
Non-PFCU or MoneyPass ATM$2.00
International Card Transaction FeesVaries
Check Cashing
Balance over $100 or multiple servicesFree
Balance under $100 and no other services$5.00
Coin Counting (members only)5% (Min $1 - Max $5)
Returned Deposits/Cashed checks - each$10.00
Transfer of FundsFree
Photocopy of Cleared Share Draft - each$4.00
Photocopy of Draft Statement - per statement$4.00
Photocopy of Transit Item - each$10.00
Reconciliation of Account/Record Research$30.00 per hour
Close New Account within 90 days of opening$20.00
Reopen a Closed Account within 90 days of closing$10.00
General Fees
Money Orders
Members 55 and older$3.00
Cashier's Checks
Members 55 and older$3.00
Wire Transfers
Domestic - Outgoing$25.00
International - Outgoing$75.00
Temporary Checks (4 per sheet)$5.00
Request to Mail Item$1.00
Returned Mail due to address$10.00
Cash Advance2% - minimum of $5.00
Loan Payment through REPAY (per payment online only)$6.95
Scheduled Loan Payments through Repay (online only)Free
Transfers from PFCU Account to LoanFree
Visa Gift Card$4.00
Collection Submission per account or loan$30.00
First 5Free
After 5 -each page$0.25
Fax - Incoming or Outgoing$1.00
Gift Money Envelopes
First 3Free
After 3 - each$0.25
Dormant Account - Unclaimed$60.00
Electronic Services
Online Banking (proctorfcu.com)Free
App Banking (App store - search Proctor FCU)Free
Audio Home Banking (24/7) 1-800-396-3586Free
Mobile TransfersFree
Bill Pay
Basic TransactionsFree
Overnight Check$20.00
Next Day ACH$15.00
Stop Payments$30.00
Account to Account
Outbound Transfer$2.00
Inbound TransferFree
Loan Fees
Loan Processing FeeConsumer Loans under $5,000$35.00
Late Fees
Consumer Loans$25.00
1st Mortgage Loans5% of payment
Reverse Loan Payment$15.00
Consumer Loan Refinance Fee$25.00
Duplicate Lien Release$5.00
Unperfected Title - per month$25.00
Loan Modification - change payment date, skip payment, etc$15.00
Loan Subordination$150.00
Forced Place Insurance$40.00
Line of Credit AdvanceFree
Fees are subject to change without notice
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