Information Desk

- PAFCU Fees & Service Charges

Effective January 31, 2023

Checking Fees

Below Minimum Balance (Checking Plus): $2.00
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
Courtesy Pay: $32.00
Monthly Fee (Business Checking): $25.00
Overdraft Transfer Fee (From Savings): $7.00
Returned Check: $32.00
Returned Deposit Item: $25.00
Stop Payment: $30.00
Teller Check: $5.00
Temporary Check (12 Checks): $5.00

ATM Fees

ATM/Point of Sale Transactions: $1.00
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: $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: $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/Subpoena: $25.00
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
PopMoney Send Amounts:
$1.00-$249.99: $.50-$.85 (Next Day)
$250.00-$999.99: $.75-$1.00 (Next Day)
$1,000.00 and above: $1.50-$2.00 (Next Day)
PopMoney Request Amounts:
$1.00-$249.99: $.50-$.85 (Next Day)
$250.00-$999.99: $.75-$1.00 (Next Day)
$1,000.00 and above: $1.50-$2.00 (Next Day)
PopMoney Stop Payment: $30.00
PopMoney Payment Investigation/Claim Fee: $40.00
PopMoney Chargeback Fee: $32.00
PopMoney Return Item: $32.00
Replacement Card: $10.00
Research Fee: $40.00
Return Mail: $5.00
Statement Copy/Duplicate Document: $5.00
Tax Levy Processing: $50.00
Wire Transfers:
Incoming: $5.00
Domestic Outgoing: $25.00
International Outgoing: $50.00

* 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.