- PAFCU Fees & Service Charges
Effective February 1, 2025Checking Fees
- Business Check
- .30% of monthly deposits in excess of $25,000
- Certified Check
- $5.00
- Check Copy
- $5.00
- Check Order
- Actual Cost
- Checking Account Reconciliation
- $40.00
- Checking Accounts (Monthly Fee):
- BaZing
- $7.00
- Freedom
- $8.00*
- VIP
- $10.00
- Business Checking
- $25.00
- Courtesy Pay (per occurrence)
- $32.00 **
- Overdraft Transfer Fee (From Savings)
- $7.00
- Returned Check (per occurrence)
- $32.00 **
- Returned Deposit Item
- $25.00
- Stop Payment
- $30.00
- Teller Check
- $5.00
- Temporary Check (12 Checks)
- $5.00
ATM Fees
- ATM
- $1.50
- Replacement ATM Card
- $10.00
Bill Payer
- Bill Pay Same Day Electronic Payment
- $9.95
- Bill Pay Overnight Payment
- $14.95
- Bill Pay Payment Investigation/Claim Fee
- $40.00
- Monthly Fee
- None***
- Returned Item (per occurence)
- $32.00 **
- Stop Payment
- $30.00
Credit Card Fees
- Annual Mastercard Gold Fee
- $20.00
- Annual Mastercard Platinum Fee
- None
- Arbitration Fee
- $35.00
- Dispute Fee
- $25.00
- Mastercard Emergency Card Replacement
- Actual Cost
- Mastercard Gift Card
- $3.95
ACH Fees
- ACH Stop Payment
- $30.00
- Returned ACH Item (per occurence)
- $32.00 **
Lending Fees
- Credit Report
- $10.00
- Late Charge on Mortgage Payment****
- 4.00%
Late Payment Fee on coupon loans: 5% of the payment or $10.00, whichever is greater. Assessed on the 11th day after the due date.
- Mortgage Subordination Preparation
- $300.00
- Pay By Phone
- $7.00
- Skip Payment Fee
- $30.00
Account Fees
- Abandoned Property Fee
- $50.00
- Account to Account Transfer Outgoing Fee
- $2.00
- Account Verification
- $5.00
- Check Collection Item
- $5.00
- Debit Overdraft
- $32.00
- Duplicate Title
- (fees vary by individual State)
- Foreign Collection*****
- $35.00
- Judgement
- $25.00
- Mastercard Gift Card
- $3.95
- Mini-Statement
- $2.00
- Money Orders (up to $1,000)
- $3.50
- Monthly Inactive Fee (accounts with less than $100)
- $15.00
- Official Check/Teller Check Photocopy
- $5.00
- Replacement Card
- $10.00
- Research Fee
- $40.00
- Return Mail
- $5.00
- Statement Copy/Duplicate Document
- $5.00
- Subpoena
- $75.00
- Tax Levy Processing
- $50.00
- Wire Transfers:
- Incoming
- $5.00
- Domestic Outgoing
- $25.00
- International Outgoing
- $50.00
- Zelle® Stop Payment
- $30.00
* Freedom Checking fee waived with minimum balance of $250 or enroll in eStatements.
** If an initial ACH transaction or debit is declined due to Non-Sufficient Funds (NSF), an NSF fee will be assessed to your account. Items returned unpaid that are re-presented again for payment will generally not be charged additional NSF or uncollected funds fee as applicable unless the presenter fails to identify the transaction as a re-presentment. To avoid fees, please monitor your account closely and ensure adequate funds are available to cover any authorized transactions.
*** To receive free Bill Payer you must pay at least one bill per month via Bill Payer, otherwise you will incur a $5.00 charge per month.
**** The late charge is 4% of the principal and interest portion of each payment received more than 15 days after the due date.
***** In addition to the bank’s collection costs.
