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disclosures & FEES

FEE SCHEDULE

GENERAL FEES
Account Reconciliation or Research Fee $20.00/hour
Certified or Cashier’s Check Fee $5.00/Check; fees waived for Legacy Checking with minimum daily balance of $10,000.00
Check Order Fees Prices vary depending on style
Check Printing Fees $3.00
Collection Checks – Request for payment of uncollected drafts $25.00
Credit Union Teller Check $2.00/Check
Deposit Item Return $29.00/Item; 1st party
Deposit Item Return $10.00; 3rd party
Dormant Account/Escheat Fee $25.00; prior to account closing
Early Account Closure $10.00; 6 months or less
Foreign Check Deposits $15.00/Check
Invalid MICR Line Processing Fee $1.00/Check
Negative Account Fee $5.00/instance from the 11th – 20th day
Non Member “On Us” Check Cashing Fee $5.00/Check
Overdraft Fee (Paid or Unpaid) $29.00
Phone Payments $10.95
Returned Mail $10.00/Month
Single Share Check Cashing Fee $5.00/Check; when account balance is less than $100.00
Skip a Pay Extensions $50.00
Statement Copy printed by People's Trust employee $5.00/statement
Stop Payment/Declaration of Loss $29.00
Tax Levy/Garnishment $25.00
Temporary Checks $4.00 for 4 checks
Transaction Fees for ATM or Debit Transactions (made outside of the U.S.) 1% of converted transaction amount
Verification of Deposit Form Completion from 3rd party $20.00
Signature Guarantee Fee $25.00
Replacement Release of Lien$25.00
SHARE account fees
Inactivity Fee$5.00/Month; members over the age of 18 who have only a single share account with a balance less than $1,000.00 and no activity in the last 12 consecutive months
Membership Savings Share Account Excessive Withdrawal Fee$5.00/Transaction
Paper Statement Fee$2.50/Month; if mailed
Single Service Fee$5.00/Month; members over the age of 18 who have only a single share account with an average daily balance less than $50.00
IRA/SEP CONTRIBUTORY SAVINGS ACCOUNT FEES
Transfer Fee$25.00
MONEY MARKET ACCOUNT FEES
Minimum Balance$10.00/Month if minimum daily balance is not met
Per Check Fee$20.00 over three (3) checks per month
PREMIER CHECKING ACCOUNT FEES
Minimum Balance$10.00/Month if minimum daily balance is not met
SECURE CHECKING ACCOUNT FEES
Maintenance Fee$5.00/Month
DEBIT ACCOUNT FEES
Maintenance Fee$5.00/Month
LEGACY CHECKING ACCOUNT FEES
Minimum Balance$10.00/Month if minimum average daily balance is not met
overdraft protection
Transfer from Overdraft Protection from another People's Trust deposit account. (Transfers made from savings will be in $5.00 increments)$5.00/Transfer; fees waived for Legacy checking with minimum daily balance of $10,000.00
Transfer made from a Ready Cash or Money Management Line of Credit. (Transfers made in $50.00 increments)$5.00/Transfer; fees waived for Legacy Checking with minimum daily balance of $10,000.00
EFT FEES
ACH Overdraft (NSF) Fee $29.00/Item
ACH Rejection Fee $5.00
Bill Payer – HomeBranch bill payment system No Month service fee or per bill charge for up to 20 bills per month; after that a $0.40/bill/month charge will apply
Incoming Wire Fee $5.00
Non-People's Trust ATM Transaction $2.00/Transaction (Withdrawal, Inquiry or Transfer)
$600/card/day maximum withdrawal
Wire Transfer Fee (Domestic)

Wire Transfer Fee (International)

Additional pass-through fee if delivered in U.S. Dollars

Additional pass-through fee if delivered in foreign currency

Unidentified international Fees
$15.00/Transfer

$45.00

$21.00

$8.00

$20.00
prepaid debit card
Purchase$3.95
Inactivity Fee$2.50/Month; after 12 months
telephone assisted fee
Account Inquiries (Balance and history)$1.00
Transfer/Payments within the same membership$1.00
safe deposit box FEES
3 x 5 Box Rental Fee $25.00/Year; $0.00/Year for Dream Builders Account
3 x 10 Box Rental Fee $35.00/Year; $10.00/Year for Dream Builders Account
5 x 10 Box Rental Fee $65.00/Year; $40.00/Year for Dream Builders Account
10 x 10 Box Rental Fee $95.00/Year; $70.00/Year for Dream Builders Account
Drilled Box Fee$125.00
Lost Key Fee $25.00/Key
Re-key FeeVaries