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Routing & Transit # 272484056

Fee Schedule

Celebrating 75 years of service

This Schedule of Fees sets forth certain conditions, fees and charges applicable to your regular savings, checking, money market and business accounts at PFCU. This schedule is incorporated as part of your account agreement.

Service Fee
Account Activity Printout - current month $1.00
Account Activity Printout - prior month/per page $3.00
Account Reconciliation (per hour) $25.00
ATM - use of Foreign ATM (5 free per month) $1.50
ATM/DebitCard Replacement  $10.00
Automatic Loan Transfer to cover NSF $3.00
Auto Transfer from Savings/Checking to cover NSF $1.00
Bill Pay Inactivity (monthly fee-not used in 30 days) $5.00
Cash Foreign Check (outside of U.S.) $5.00
Cashier’s Check $3.00
Cashier’s Check (Ages 55+) $.50
Check Printing (Fee varies by design)
Check Printing (per box - Ages 55+) $6.00
Checking PLUS (per month if below min balance) $5.00
Checks - Quick (4 checks per sheet) $2.00
Close Account (within 90 days of opening) $5.00
Convenience Pay (Debit or Credit) $10.00
Convenience Pay (Electronic) $5.00
Copy of Credit Card Statement $5.00
Copy of Check, Cashier’s Check, Money Order $3.00
Copy of Account Statement $5.00
Credit Card - Quick Delivery $35.00
Dormant Account Fee* (per month after 12 mo.) $5.00
Escheated Accounts (unclaimed after 3 years) $75.00
Fax (per page after 5 pages) $1.00
Garnishment/Levy Processing $75.00
Late Payment Fee - CC $25.00
Legal - Attorney Work (e.g. Subpeona) $70.00 + actual charges
Lien Perfection - (Titles and UCC-1) Varies
Loan Extension, Skip A Pay, or Modification $30.00
Membership Fee $1.00
Minimum Balance Required to Earn Interest (on Savings and IRA Accounts) $100.00
Medallion Guarantee $0.00
Money Order $2.00
Money Order (Ages 55+) $0.50
Monthly Statement from Quarterly (per month) $2.00
Non Member ATM Fee $3.50
Notary Fee

$0 - Members

$5 - Non-Members

Overdraft / NSF / ODP / Returned Item $25.00
Paper Statement Fee* (monthly) $2.00
Payoff Request for Mortgages - Third Parties $30.00
Photocopy (per page over 1 page) $1.00
Replacement Credit Card Fee $10.00
Return Deposit Item $5.00
Rush Order Debit Card (2 day only available) $10.00
Statement Return / Bad Address $5.00
Stop Payment on Check or Money Order $25.00
Telephone Transfer Fee**  $2.00
The Loan Check (TLC) Check Order $20.00
The Loan Check (TLC) Over Limit Fee $25.00
Visa Gift Card (one-time issue) $3.95
Visa Reload $2.00
Visa Reloadable - General Purpose $7.95
Visa Reloadable - Personalized $9.95
Visa Reloable - Personalized Student $8.95
Visa Reloadable - Student $6.95
Wire Fee - Incoming $5.00
Wire Transfer - Outgoing (domestic) $20.00


*Excludes Youth Accounts (ages 23 years and younger), Prime Time Accounts (ages 55 years and older), and Organizational Accounts.

**Excludes Prime Time Accounts (ages 55 years and older).

Service Fee
Bill Pay Inactivity (Not Used For 30 Days) $5.00
Business Checking PLUS - if below min. balance $10.00
Copy of a Check $10.00
Paper Statement Fee* (Monthly) $2.00
Overdraft/ NSF / ODP / Returned Item $25.00
Return Deposited Item $10.00
Stop Payment $25.00
Telephone Transfer Fee $2.00

*Excludes organizational accounts.

For members that require an off-site location to keep their valuables, we have Safe Deposit Boxes for rent in our Portland, Ionia, Westphalia, Lake Odessa, Lansing, Durand and Swartz Creek offices. All locations do not have all the sizes available.

Size Annual Fee
3" x 5" $10.00
3" x 10" $25.00
5" x 5" $25.00
5" x 10" $35.00
6" x 10" $40.00
9" x 10" $45.00
10" x 10" $50.00

If you lose one key, you will be assessed a $20.00 fee. If both keys are lost, there will be a charge to have the lock redrilled or replaced.

View the complete listing of fees.

*Dormant Account Fee

An account is considered dormant if for 12 consecutive months no withdrawals or deposits, other than credited dividends, have been made to any account and we have received no communication from you about any of your accounts.

The fee for a dormant account is $5.00 per month and will be assessed on the Regular Share account. If the fee imposed brings the balance of the Regular Share account below $5.00, the fee will be the remaining balance in the account and membership will be terminated. This fee will be waived for members under 23 years of age or if you maintain a balance of $250.00 or more in a Regular share account.

If you have any questions, use our live chat support feature at the top of this page or contact us.