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Schedule of Fees

Schedule of Fees

Effective date: 02/1/2019

GENERALFEE
Membership / Savings1
    minimum balance$5.002
    17 years and younger minimum balance$5.003
    more than 6 withdrawals in a month (Reg D)$10.00 each4
Accounts closed within 90 days$10.005
Deposited or cashed checks returned$30.00 each6
Redeposit return checks (minimum 5-business day hold)$30.00 each7
Cashier’s check$15.00 each8
Official checks (first 5 free per month)$3.00 each9
Account inquiries by phone instead of using Access 24$2.50 each10
Money Orders$3.00 each11
    65 years of age and overNo Fee12
Member large cash orders13
    Under $20K, preorderedNo Fee14
    $10K$10.0015
    $20K$20.0016
    $30K$30.0017
Notary Service18
    member / 2 signatures$10.0019
    additional signatures / non-members$15.00 each20
Wire Transfers to another financial institution21
    domestic$30.0022
    international$45.0023
    wire-in$5.0024
Collection items – minimum $100$15.00 each25
Collection – levy / liens$25.0026
Over the counter printouts (current month)$3.0027
Faxes28
    within the U.S. (up to 5 pages)$5.0029
    international (up to 5 pages)$10.0030
Statement copies31
    current month$2.0032
    within 12 months$5.0033
    12 months & over$10.0034
Invalid address research$5.00 per quarter35
Research$25.00 per hour36
Escheat / dormant accounts$10.0037
Copies$2.00 each38
UPS / FedEx / Express MailUp to $40.0039
Savings bond / redemptionNo Fee40
Verification of Deposit$25.0041
E SERVICES42
E-Branch – online bankingFREE43
E-Statements by emailFREE44
E-Pay – bill payFREE45
THIRD PARTY CHECKS46
Deposits – check holds applyNo Fee47
Check cashing – restrictions proper ID required of payee / check holds apply no government checks (Federal / State / City / County)$10.00 each48
    proper ID required of payee / check holds apply49
    no government checks (Federal/State/City/County)50
INDIVIDUAL RETIREMENT ACCOUNT51
Annual custodial fee$25.0052
Rollover / transfer from PFVCU$25.0053
Premature / non-qualified distribution$25.0054
SHARE DRAFT / CHECKING ACCOUNTS55
Monthly service fee56
    $500 minimum balanceNo Fee57
    balance falls below $500$10.0058
    with Direct Deposit/E-StatementsNo Fee59
    Primary member – age 65 & olderNo Fee60
    PVFCU Logo checks – 65 & overFREE61
    business account $1500 min balanceNo Fee62
    business accounts falls below $1500$25.0063
Special Student Checkingask for details64
Automatic overdraft transfers$2.00 each65
Returned checks66
    issued by member (insufficient funds)$30.00 each67
    deposited by member$30.00 each68
    redeposit check (5+ days hold)$30.00 each69
Check paid by PVFCU70
    qualifying account up to $300$30.00 each71
Stop payment – checks / pre-authorized72
    one item$20.0073
    3 or more – consecutive$45.0074
    Stop Payment Cancellation$10.0075
Copies of cancelled checks76
    previous 12 months$5.00 each77
    over 12 months$7.00 each78
    (+ research fee $25 per hour)79
Temporary checks 4 checks per sheet$2.00 each80
VISA DEBIT CHECK CARD81
VISA Debit Check Card transactions* *Third party fees may apply with some merchant & other ATM networksNo Fee82
Overdrawn transactions$30.0083
Automatic overdraft transfers$2.00 each84
** Replacement cards / PIN mailer (request – requires member’s signature)$15.00 each85
    rush order – card or PIN mailer **Replacement cards per year$30.00 each86
Cards cancelled within 180 days of activation$20.0087
ATM Return deposited checks$30.00 each88
ATM Adjustments$20.00 each89
Dispute cancellation$20.00 each90
Out of Network (Non CO-OP or PVFCU ATMs)$1.00 each91
*Third-party fees may apply with some merchants & other ATM networks92
**Replacement cards per year93
VISA CREDIT CARD94
Annual fee$20.0095
Per Cash advance fee ($10 nor greater than $200)3.00%96
Late fee over 10 days$25.0097
Return check fee$30.00 each98
LOANS99
Auto equity loan documents100
Loan extension agreement$25.00101
Issue Lien Satisfied$10.00102
Line of credit advance103
Demand Request – Consumer$35.00104
Demand Request – Mortgage$100.00105
SB 12 – Atkins Buildings Homes and Jobs Act$150.00106
Skip A Pay$45.00107
ELECTRONIC PAYMENT from another financial institution: Checking108
Checking$12.00109
Credit card$5.00110
Return electronic payment$30.00 each111

Contact Us
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PV Federal Credit Union
2700 E. 4th Street
National City, CA 91950
Phone: (619) 475-4313, or toll free, (800) 253-6991
Fax: (619) 475-0998
E-mail: paradise@paradisevalleyfcu.com
Access 24: (619) 475.2009
Toll free 1 (866) 760.3777