As a not-for-profit credit union, Palmetto Citizens has fewer fees than other financial service providers. Click on each heading below to view the associated fees.
Account / Service |
Associated Fee |
Par Value (must remain in savings to maintain membership) |
$25.00 |
Excessive Withdrawal Fee (over 2 per month) |
$3.00 |
Dormant Account Fee (inactive over 18 months) |
$4.00 / month |
Early Share Account Closing Fee (within 90 days) |
$15.00 |
Account / Service |
Associated Fee |
Check Copy |
$1.00 |
Check Orders / Re-orders |
Cost Varies With Style |
Debit Card Reissue |
$3.00 |
Decoupled Debit Card |
- $14.00 / month
- (when transaction occurred)
|
Under Minimum Balance1 ($0 minimum for Classic Checking) |
$12.00 / month |
Excess Draft Fee (money market only) |
$12.00 |
Money Market Overdraft Transfer2 |
$5.00 |
Non-sufficient Funds (per presentment) |
$24.50 |
Overdraft Privilege (per presentment)3 |
$27.00 |
Statement Copy |
$3.00 per statement |
Stop Payment Placement / Removal
- With Insufficient Funds
|
$16.00
- $24.50
|
Foreign Transaction (Debit Card)4 |
1% of transaction in US dollars |
Account / Service |
Associated Fee |
Card Reissue |
$3.00 |
Usage of Palmetto Citizens ATM5 |
No Cost |
Usage of Non-Palmetto Citizens ATM:
- First 2 Transactions / Inquiries Per Month
- After 2nd Inquiry / Transaction Per Month
|
- No Cost
- $1.00 / transaction
|
Account / Service |
Associated Fee |
Late Fee (excludes single payment notes) |
- 5% of Delinquent Amount
- (maximum $25.00)
|
Loan Payment by Check (over phone)6 |
$5.00 |
Loan Payment by Debit or Credit Card6 |
$9.95 + 3% of payment amount |
Mortgage Subordination |
$125.00 |
Overdraft from Home Equity Line of Credit (per advance)2 |
$2.00 |
Overdraft Protection (per advance)2 |
$2.00 |
Savings & Credit Builder Program:
- Origination Fee
- Excessive Withdrawal
|
- 1 Free per Quarter, $10.00 each thereafter
|
Skip a Payment (eligible members / loans) |
$35.00 |
Visa Credit Card Foreign Transaction Fee4 |
1% of transaction in US dollars |
Account / Service |
Associated Fee |
Expedited Payments for Bill Pay |
$9.95 |
Loan Payments (from external accounts):
- eCheck
- Debit or Credit Card
|
- $5.00
- 3% of payment amount
|
Mobile Deposit Returned Check |
$10.00 |
Online Bill Pay7 :
- With one of the following criteria:
- - Over $15,000 (aggregate loans and savings balance)
- - Over $1,000 monthly checking balance w/ eStatements
- - Under 25 years of age
- - Premium Checking Account holder
- Between $7,500 - $14,999.99 (aggregate loans and savings balance)
- Under $7,500 (aggregate loans and savings balance)
|
- No Cost
- $1.45 / month
- $2.95 / month
|
Remote Transfer:
- Incoming / Outgoing (between own accounts)
|
- No Cost
|
Account / Service |
Associated Fee |
Account Research / Reconciliation |
$20.00 / hour |
Cashier's Check |
$4.00 |
Check By Phone Payment
|
$5.00 |
Check Cashing8 :
- Members With Account Balance(s) of $100+
- Members With Account Balance(s) under $100
|
- No Cost
- $12.00
|
Christmas Club Withdrawal Fee |
$6.00 |
Christmas Club Check Disbursement Fee9 |
$3.00 |
Coin Machines:
- Usage for Members (personal accounts)
- Usage for Business Accounts and Non-members
|
- No Cost
- 5% of Total
|
Incorrect Address Fee |
$6.00 / month |
- IRA Closure Fee
- IRA Minimum Balance Fee10
|
- $5.00
- $4.00/month
|
Money Order |
$1.50 |
Rejoining Fee11 (no fee for first time membership) |
$8.00 |
Reloadable Debit Cards (other fees may apply):
- Purchase Price
- Reload Fee
- Monthly Maintenance Fee
|
- $3.95
- $0.50
- $1.75
|
Returned Item (personal check/ACH) |
$24.50 |
Returned Deposit Item (two-party) |
$4.00 |
Safe Deposit Boxes (annually):
- 3 X 5
- 3 X 10
- 5 X 10
- 10 X 10
|
- $28.00
- $38.00
- $48.00
- $88.00
|
Senior Program (VIPS):
- Under Minimum Balance Fee12
|
- $2.00
|
Statement Copy |
$3.00 per statement |
Visa Gift Card |
$2.50 Per Card |
Wire Transfer:
- United States
- International
- International (Convera)
|
- $10.00
- $15.00
- $25.00
|
Account / Service |
Associated Fee |
Low Volume Checking Over Transaction Limit |
$0.30 / Transaction Over Allotted Amount |
High Volume Checking Over Transaction Limit |
$0.20 / Transaction Over Allotted Amount |
Non-Profit Checking Over Transaction Limit |
$0.15 / Transaction Over Allotted Amount |
High Volume Checking Under Minimum Balance1 |
$12.00 / month |
Premium Sweep Over Transaction Limit13 |
$0.30 / Transaction Over Allotted Amount |
Coin Counter for Business Accounts |
5% of Total |
High Volume Currency Deposit:
- First $10,000 / Month
- After $10,000 / Month
|
- No Cost
- $0.14 / $100
|
1. Minimum balance on Money Market Account: $2,000; Minimum balance on Premium Money Market Account: $10,000; Minimum balance on Premium Checking Account: $2,500; Minimum balance on High Volume Small Business Checking Account: $2,000.
2. No charge is applied on advances/transfers through TellerLine, online/mobile account access or at a PCFCU office. Excessive draft and minimum balance fees on money market transfers may still apply.
3. No Overdraft Privilege fee charged on transactions of less than $3. Maximum of four Overdraft Privilege fees charged to an account per day.
4. A Cross-Border Assessment of 1% on each transaction on all foreign transactions when Visa must convert a purchase made outside the United States to U.S. dollars for posting. A Cross-Border Assessment fee of 1% is made when a US cardholder makes a transaction in a foreign country, and the merchant accepts the transaction in US currency rather than the currency of their country. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Border transaction fee will be shown separately on your periodic statement.
5. No fee for proprietary ATM usage except those normally associated with share type accounts.
6. From an external account when processed by PCFCU staff (see Online Services for other payment options - no fee when transferred from a PCFCU account).
7. Per member number.
8. All Youth and Teen Program members will be excluded from this fee. Funds will be available for same day withdrawal from any PCFCU ATM at no charge.
9. When annual November disbursement is mailed by check, no fee for direct PCFCU account transfer.
10. For balances below $50. Applied monthly after IRA balance has been below $50 for six consecutive months.
11. Fee will be charged upon re-application only after your initial membership has been closed.
12. Charged when average monthly combined loan and savings balance falls below $100.
13. Six withdrawals and eight deposits (excluding sweep transfers) are allowed per month.