phbcu logo small

Fees

The following is a description of any fees you may incur for account services at the credit union.

Share Account Fees

Deposited item return fee - $12.00
ACH/EFT NSF transaction - $20.00
Bad address/postal notification - $1.00
Bad address/no forwarding - $5.00
Excessive withdrawal (youth) - $1.00
Dormant Account Fee* - $2.00 per month
*Account is considered dormant if inactive for 2 years or more

Share Draft Account Fees

Check printing (order) price varies according to style
Deposited item return fee - $12.00
Overdraft (with phone call) - $5.00
NSF Fee (per item) - $20.00
Overdraft in excess of $2,000.00 - $30.00
Stop Payment Fee (per item) - $20.00
Copy of cleared check - $3.00
Garnishment/Levy - $10.00
Current period account history - $1.00
Prior period statement - $3.00
Account reconcilement - $25.00 hr.
Bad address/postal notification - $1.00
Bad address/no forwarding - $5.00
Dormant Account Fee* - $2.00 per month
*Account is considered dormant if inactive for 2 years or more

Debit Card Fees

ATM withdrawals exceeding 8 per mo. $1.00 per withdrawal (first 8 are free)
NSF Debit card transaction - $20.00
Card replacement fee - $5.00
Account reconciliation $25.00 per hr.

VISA Credit Card Fees

Late Fee - $15.00
Over Limit Fee - $15.00
Certified Letter/collection - $10.00
Collection Fees 20% of outstanding balance

Loan Fees

Late Fee (60 days) - $15.00
Certified Letter/collection - $10.00
Collection Fees 20% of outstanding balance

Other Fees

Cashiers Check - $3.00

Escheat Fee - $50.00