Fee Schedule

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 3 per quarter) $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 Transfer $5.003
Non-sufficient Funds & Overdraft Privilege (per item) $24.50
Stop Payment Placement / Removal
With Insufficient Funds
Account / Service Associated Fee
Card Reissue $3.00
Usage of Palmetto Citizens ATM No Cost2
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)
Mortgage Subordination $125.00
Overdraft from Home Equity Line of Credit (per advance) $2.003
Overdraft Protection (per advance) $2.003
Visa Credit Card Over-Limit Fee $15.00
Savings & Credit Builder Program:
Origination Fee
Excessive Withdrawal

2% of Loan Amount ($50 max)
1 Free per Quarter, $10.00 each thereafter
Account / Service Associated Fee
Online Bill Pay - Aggregate Loans and Savings Balance4 :
Over $15,000 (or Under Age 25 or w/ Premium Checking)
Between $7,500 - $14,999.99
Under $7,500

No Cost
$1.95 / month
$3.95 / month
Expedited Payments for Bill Pay $8.95
Remote Transfer:

PayPal Transfer $0.75
Account / Service Associated Fee
Account Research / Reconciliation $20.00 / hour
Cashier's Check $4.00
Check By Phone Payment $5.00
Check Cashing5 :
Members With Account Balance(s) of $100+
Members With Account Balance(s) under $100

No Cost
Christmas Club Withdrawal Fee $6.00
Christmas Club Check Disbursement Fee $3.006
Coin Machines:
Usage for Members (personal accounts)
Usage for Business Accounts and Non-members

No Cost
5% of Total
Incorrect Address Fee (after two months) $6.00 / month
Money Order $1.50
Rejoining Fee7 (no fee for first time membership) $8.00
Reloadable Debit Cards (other fees may apply):
Purchase Price
Reload Fee
Monthly Maintenance Fee

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

Senior Program (VIPS):
Under Minimum Balance Fee

Travelers Cheques:
Single Signature

$1.00 Per $100.00
Visa Gift Card $2.50 Per Card
Wire Transfer:
United States
International (Western Union)

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 Limit9 $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 Golden Insured Money Management 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 fee for proprietary ATM usage except those normally associated with share type accounts. 3. No charge is applied on advances/transfers through TellerLine, PC NetExpress or at a PCFCU office. Excessive draft and minimum balance fees on money market transfers may still apply. 4. Per member number 5. 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. 6. When annual November disbursement is mailed by check, no fee for direct PCFCU account transfer. 7. Fee will be charged upon re-application only after your initial membership has been closed. 8. Charged when average monthly combined loan and savings balance falls below $100. 9. Six withdrawals and eight deposits (excluding sweep transfers) are allowed per month.