disclosures & FEES
DISCLOSURES
ACCOUNT DISCLOSURES
TRUTH IN SAVINGS DISCLOSURES
TRUTH IN LENDING DISCLOSURES
ONLINE SERVICES DISCLOSURES
OVERDRAFT SERVICES DISCLOSURES
GENERAL DISCLOSURES
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 Fee | Varies |
