Fees & Disclosures
No one wants to hear about fees, but you’ll find that Park Community has some of the lowest fees around. You’ll also notice that many of these fees are avoidable by maintaining an account in good standing. You won’t find a better combination of service, rates, and resources anywhere. Everything you need to live your life your way is at Park Community
Disclosures
Fee schedules
Not that we want them.
We can’t operate without them, unfortunately.
| Checking Services | Description | Charge |
|---|---|---|
| Thryve Checking | Monthly maintenance fee. Avoid fee with active Park Perks or loan relationship. Excludes Custodian, Trust, and Estate Accounts | $10.00/mo |
| Stop Payment Fee | Per item. | $32.00/each |
| Copy of Check | Per item. | $5.00/each |
| NSF Items | Includes returned checks, pre-authorized debits/ACH originations & ATM/Debit card overdrafts. | $32.00/each |
| Courtesy Overdraft Fee | Per item paid. | $32.00/each |
| Overdrawn Fee | Per Presentment. Includes returned checks. | $32.00/each |
| Overdraft Transfer Fee | Charged when money is transferred from savings to checking to cover an overdraft. Each month, one (1) transfer is free. | $5.00/transfer |
| Temporary Checks | 8 checks. | $3.00 |
| Regular Checking* | Charged if minimum daily balance drops below $200 in combined deposits or if no loan/credit card relationship. | $5.00/mo |
| Fresh Start Checking* | Monthly maintenance fee with Direct Deposit. Monthly maintenance fee w/o Direct Deposit | $12.00/mo $15.00/mo |
| Next Step Checking* | Monthly maintenance fee | $9.00/mo |
| Brightside Checking* | Monthly maintenance fee | $10.00/mo |
| Savings | Description | Charge |
|---|---|---|
| Savings Maintenance Fee | Charged to members with a savings account relationship only (includes Regular, Holiday, Vacation, and Additional Savings), a minimum combined daily balance below $200, and no other services with Park Community. Fee waived the first 6 months of membership, for members under 18 and over 65, and if you have a loan/credit card relationship or paid off a loan/closed a credit card within the last 6 months. | $5.00/mo |
| Closed Account Fee | If account is closed within 6 months of opening. | $10.00 |
| Holiday Savings Early Withdrawal | Waived from first business day in October – January 31. | $8.00/withdrawal |
| Share Certificate Early Withdrawal Penalty Fee | Charged to members who withdraw from a share certificate prior to the scheduled maturity date. | $25.00 plus 1/2 of dividends that would have been earned from the date of withdrawal to the maturity date |
| money market | description | charge |
|---|---|---|
| Below Minimum Withdrawal Fee | Applies to withdrawals less than $250. | $10.00/occurrence |
| Over Transaction Limit | Applies to withdrawals in excess of 6 electronic withdrawals in a calendar month. Combination of transfers, ACH debits & a maximum of 3 checks. In person withdrawals or requests for checks to be mailed are not included in the maximum allowed. | $10.00/occurrence |
| Monthly Maintenance Fee | Fee waived with active Park Perks or by maintaining a $1,000 minimum balance. | $10.00 |
| atm/debit card | description | charge |
|---|---|---|
| ATM/Debit Card Replacement Fee | Standard Shipping (7-10+ business days) • Quick Ship to Park (Guaranteed 5 business days) • Quick Ship to Member (Guaranteed 5 business days, requires signature) | $5.00, $50.00 and $60.00 respectively |
| ATM Card Monthly Fee | With Checking relationship. | $1.00/mo |
| ATM Card Monthly Fee | With Savings relationship only. | $6.00/mo |
| ATM/Debit Card Usage Fee | First 7 are free each mo. – includes Alliance One, Republic Bank, Money Pass, and Intercept transactions – does not include foreign ATM surcharge. | $2.00 per use |
| International Transaction Fee | Fee will be based on transaction amount. | Fee will be based on transaction amount. |
| HSA Card Replacement Fee | Standard Shipping (7-10+ business days) | FREE |
| Miscellaneous Fees | Description | Charge |
|---|---|---|
| Convenience Payment | Via telephone | $10.00 |
| Dormant Account Fee | Charged to members who have an inactive account relationship for 12 months and a combined daily balance below $1,000 (Excludes Share Certificate, IRA Certificates, IRA Savings, and Educational Savings Accounts). Fee waived for members under age 18. | $10.00/mo |
| Cashiers Check Fee – Member | Per item. | $5.00 each |
| Cashiers Check Conversion Fee – Non Member | Per item. | $9.00 each |
| Mailed Statement Fee | (Fee waived for members under the age of 18 and over the age of 65 or members with a Timeless checking account.) | $3.00/statement/month |
| Research/Reconciliation | By appointment only. | $15.00/hour |
| Returned Foreign Deposit | Items drawn outside the United States. | $32.00 each |
| Foreign Deposit | Deposits from outside the United States. | $12.00 |
| Returned Deposit Fee | Drawn on Member’s acct at another financial institution. • Drawn on third party’s account. | $32.00/item, $15.00/item |
| Returned Mail Fee | Charged each statement cycle until bad address is corrected. | $5.00 |
| Shared Branch Excessive Withdrawals | First 4 withdrawals (or cash back) per month are free. | $5.00 each |
| Skip-A-Payment | Not available on all loan products. | $30.00/per skip |
| Overnight Delivery Fee | Per item. | $17.50 |
| Statement Copy | Per item. | $5.00 each |
| Wire Transfer – Incoming | Per item. | $15.00/wire |
| Wire Transfer – Outgoing | Per item. | $25.00/wire |
| Wire Transfer – International | Per item. | $55.00/wire |
| Non-Member Check Cashing Fee | Per item. | $5.00 |
| Official Park Check to Third Party | Per item. | $2.50 |
| Levy/Garnishment Processing Fee | KY Garnishment IN Garnishment Levy | $75 $20 $20 |
Details
*Legacy Accounts – Legacy accounts are no longer available to open but are still supported for existing members. Visit our legacy accounts page to learn more.