Fee Schedule

Resource Center > Account Disclosures

Telephone Assistance Fees

Deposit Account Fees

Monthly paper statement mailed - $2.50 per month
A $5.00 fee per month will be charged for members over the age of 18 who have only a single share account with balance less than $1,000 and account has had no activity in the last 12 consecutive months.
Membership and Everyday Savings Account excessive withdrawal fee - $5.00
Premier Checking - Below minimum balance fee - $10.00 (minimum balance $1,000)
Classic Checking & E-Checking - Below minimum balance fee - $0 (no minimum balance)
Opportunity Checking - $10.00per month
Legacy Checking - $10.00 (minimum balance $10,000)
Money Market - Per Check Fee Over Three (3) Checks Per Month - $20.00
Negative Account Fee $5.00 (per instance from the 11th - 20th day)
IRA Transfer (to another institution) Fee - $25.00
All Money Market Accounts - Below minimum balance fee (minimum balance $1,000) - $10.00
Monthly Minimum Balance Fee on single share memberships (minimum balance $50) - $5.00

Electronic Funds Transfer Fees

ATM Card or Debit Card Replacement Fee - $5.00 each card*
Non-People's Trust ATM Transaction Fee - $1.00 per transaction (Maximum ATM Withdrawal is limited to $600 per card, per day)
Transaction fees for ATM or Debit transactions (made outside of the US) - 1% of converted amount
ACH Overdraft (NSF) Fee - $29.00
ACH Rejection Fee - $5.00
Wire Transfer Fee (Domestic) - $15.00
Wire Transfer Fee (International) - $45.00
- Regulatory pass-through fee if delivered in U.S. Dollars - $21.00
- Regulatory pass-through fee if delivered in foreign currency - $8.00
- Error Resolution Research - $75.00
- Unidentified International Fees - $20.00
Incoming Wire $5.00
Bill Payer - Home Branch Bill Payment System -- No monthly service fee, no per bill charges up to 20 bills, after that, it's $0.40 per bill, per month

Safe Deposit Box Fees

Other Fees (applies to all accounts)

Account Reconciliation or Research - $20.00/hour
Certified Check - $5.00*
Credit Union Teller Check - $2.00
Check Copy Fee - $3.00
Check printing fees - Varies
Deposited Item Return 1st party - $29.00
Deposited Item Return 3rd party - $10.00
Dormant Account/Escheat Fee - $25.00 (prior to account closing)
Account Closure - $5.00
Early Account Closure (6 months or less) - $10.00
Invalid MICR Line Processing Fee - $1.00 per check
Stop Payment - $29.00
Overdraft Fee (paid or unpaid) - $29.00
Non-Sufficient Funds (NSF) Fee - $29.00
Statement Copy - $5.00
Tax Levy/ garnishment - $25.00
Temporary Checks - $4.00 for 4 checks
Phone Payments - $10.95
Foreign Check Deposits - $15.00
Collection Checks (request for payment of uncollected drafts) - $25.00
Returned mail - $10.00 per month
Verification of Deposit Form Completion from 3rd Party - $20.00
Skip-a-Pay Extensions (limit two per rolling 12 months)- $50.00
Incorrect SSN/TIN Number Provided by Member - $100
Late Loan Payment Fee - $20.00
Non Member "On - Us" Check Cashing Fee - $5.00
Single Share Check Cashing Fee (when account balance is less than $100.00) - $5.00 per check

Overdraft Protection (see a representative to add to checking account)

$5.00 per transfer for overdraft protection from another People's Trust deposit account*
Transfers made from savings will be in $5.00 increments
Transfers made from an approved Line of Credit will be in $50.00 increments - $5.00

*Fees waived for Legacy Checking with minimum daily balance of $10,000

Prepaid Debit Cards

Have a Question?

Contact us online, give us a call at 713.428.3200 / 800.321.2411, or stop by a service center location for any questions about our products and services.