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Fee Schedule

The Fee Schedule sets forth certain conditions, fees, and charges applicable to all accounts at People Driven Credit Union as revised effective May 1, 2023. This schedule is incorporated as part of the Truth in Savings disclosure.

Account Fees

People Driven Credit Union ATMFREEUnlimited transactions
Non-People Driven Credit Union ATM$5.00Withdrawals, transfers, and account inquires. 4 free per month
ATM Debit or Credit Card Replacement$5.00 Lost/damaged debit, credit or ATM card. 1 free per year
International Transaction1% Of the total account assessed on foreign cash advances, purchases, and credits with debit or credit card
Overdraft NSF$30.00 Per item / per presentment
Overdraft Courtesy Pay$30.00Per item
Overdraft Transfer$3.00 Per transfer from any deposit account to cover a transaction
Corporate / Certified Check/ Money Order$5.00Per item – 1 Free per day
Stop Payment Request30.00Per check, ACH, bill payment
Check PrintingVaries
Paper Statement$5.00 Per occurrence
Check / Statement Copy$5.00Per copy
Wire Transfers: Domestic Financial Institutions$30.00Per wire transfer you send from your account to another U.S. Financial Institution
Wire Transfers: Foreign Financial Institutions$50.00 Per wire transfer you send from your account to a Financial Institution outside of the U.S.
Loan Payments by Phone$10.00Using a credit or debit card
Employee-Assisted Phone Transfer$5.00Per transaction
Service Center/ Shared Branch Transactions$5.00Per transaction. 4 free per month
Visa Prepaid Gift Card$5.00Per gift card
Coin Processing / Visa Cash Advance3%Charged on total amount of transaction
Research Fee$30.00 Per hour
Escheated Account $75.00Per account when escheat is required
Non-Member Check Cashing (On PDCU)$5.00Per check
Legal Processing$50.00Per hour
Garnishment/Levy$50.00Per request
Dormant Account$5.00Per month
Bad Address$5.00Per returned envelope
Credit Card Temporary Increase/Rush Limit Increase$10.00Per request
Credit Card Late Fee$25.00Maximum fee: applies when payment is 5 days late
NSF Loan Payment or Credit Card Payment $30.00Per occurrence
Skip-A-Payment/Loan Extension$35.00Per loan, per request
Subordination Fee$100.00Per occurrence
Mortgage Modification$250.00One per mortgage
Home Equity Appraisal$485.00
Home Equity Early Termination$250.00If terminated within 2 years of establishing
Home Equity Drafts, Line-of-Credit DraftsVaries
Mortgage Points, Mortgage Discharge & OriginationVaries
Certificate of Deposit Withdrawal PenaltyTerm ≤1 Year – 90 days interest
Certificate of Deposit Withdrawal PenaltyTerm ≥1 Year – 180 days interest
Save To Win Certificate of Deposit Withdrawal Penalty$25.00

Checks, returned deposited checks, ACH, point-of-sale, ATM/debit card, corporate draft, L.O.C. draft, bill pay or online transactions
Courtesy Pay Disclosure:
Payment by the credit union is a discretionary courtesy and not a right of the member or an obligation of the credit union. This privilege for consumer share draft accounts will be limited to a maximum amount of either $500 or $1,000 overdraft (negative) balance. Transactions types that are eligible for courtesy pay include and are limited to: ACH transactions, Drafts and On-Us Checks at the Teller Counter, the return of unpaid funds deposited into an account, charges to an account for applicable service charges and fees, point of sale transactions and the deposit of items by a member to their account which according to our Funds Availability Policy are treated as not yet available or finally paid ATM & One-time Debit Card Transactions. You must bring your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours. The credit union, in its discretion, can cancel this protection and cease paying overdrafts at any time without prior notice of reason or cause.

Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. A fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including purchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed on all single currency foreign transactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates