The Fee Schedule sets forth certain conditions, fees, and charges applicable to all People Driven Credit Union accounts as revised, effective May 1, 2023. This schedule is incorporated as part of the Truth in Savings disclosure.
Account Fees
| People Driven Credit Union ATM | FREE | Unlimited transactions |
| Non-People Driven Credit Union ATM | $5.00 | Withdrawals, 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 Transaction | 1% | 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 | $30.00 | Per item |
| Overdraft Transfer | $3.00 | Per transfer from any deposit account to cover a transaction |
| Corporate / Certified Check/ Money Order | $5.00 | Per item – 1 Free per day |
| Stop Payment Request | 30.00 | Per check, ACH, bill payment |
| Check Printing | Varies | |
| Paper Statement | $5.00 | Per occurrence |
| Check / Statement Copy | $5.00 | Per copy |
| Wire Transfers: Domestic Financial Institutions | $30.00 | Per 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 | $10.00 | Using a credit or debit card |
| Employee-Assisted Phone Transfer | $5.00 | Per transaction |
| Service Center/ Shared Branch Transactions | $5.00 | Per transaction. 4 free per month |
| Visa Prepaid Gift Card | $5.00 | Per gift card |
| Coin Processing / Visa Cash Advance | 3% | Charged on total amount of transaction |
| Research Fee | $30.00 | Per hour |
| Escheated Account | $75.00 | Per account when escheat is required |
| Non-Member Check Cashing (On PDCU) | $5.00 | Per check |
| Legal Processing | $50.00 | Per hour |
| Garnishment/Levy | $50.00 | Per request |
| Dormant Account | $5.00 | Per month |
| Bad Address | $5.00 | Per returned envelope |
| Credit Card Temporary Increase/Rush Limit Increase | $10.00 | Per request |
| Credit Card Late Fee | $25.00 | Maximum fee: applies when payment is 5 days late |
| NSF Loan Payment or Credit Card Payment | $30.00 | Per occurrence |
| Skip-A-Payment/Loan Extension | $35.00 | Per loan, per request |
| Subordination Fee | $100.00 | Per occurrence |
| Mortgage Modification | $250.00 | One per mortgage |
| Home Equity Appraisal | $485.00 | |
| Home Equity Early Termination | $250.00 | If terminated within 2 years of establishing |
| Home Equity Drafts, Line-of-Credit Drafts | Varies | |
| Mortgage Points, Mortgage Discharge & Origination | Varies | |
| Certificate of Deposit Withdrawal Penalty | Term ≤1 Year – 90 days interest | |
| Certificate of Deposit Withdrawal Penalty | Term ≥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
