Park Community Credit Union - Fee Schedule

Fees the non-profit way.

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.

Fee schedules. Not that we want them.

We can't operate without them, unfortunately.

Checking Services
Regular Checking
Park Plus Checking
eChecking
Freedom Checking
Fresh Start Checking I
Fresh Start Checking II
Next Step Checking
Copy of Check
Stop Payment Fee
NSF Items
Courtesy Overdraft Fee
Excessive Overdraft Transfer Fee
Temporary Checks
Description
Charged if minimum daily balance drops below $200 in combined deposits or if no loan/credit card relationship.
Charged if balance falls below $1,000 min.
Charged if monthly requirements of a direct deposit and eStatements are not met.
Charged if monthly requirement of $400 payroll deduction or direct deposit is not met.
Monthly maintenance fee.
Monthly maintenance fee.
Monthly maintenance fee.
Per item.
Per item.
Includes returned checks, pre-authorized debits/ACH originations & ATM/Debit card overdrafts.
Per item paid.
Charged when money is transferred from savings to checking to cover an overdraft. Each month, the first 2 days used are free.
8 checks.
Charge
$5.00/mo
$10.00/mo
$5.00/mo
$5.00/mo
$12.00/mo
$15.00/mo
$9.00/mo
$5.00
$32.00/each
$32.00/each
$32.00/each
$4.00/day
$3.00
Savings
Savings Maintenance Fee
Check Cashing Fee–Savings relationship only
Closed Account Fee
Holiday Savings Early Withdrawal
Share Certificate Early Withdrawal Penalty Fee
Description
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.
Charged if member has no Park Community loans or less than $200 in combined savings and certificates. Waived for ages under 18 and over 65.
If account is closed within 6 months of opening.
Waived from first business day in October – January 31.
Charged to members who withdraw from a share certificate prior to the scheduled maturity date that was originally opened after January 1, 2016 or renewed after June 6, 2018. Please refer to your Truth-in-Savings Disclosure for early withdrawal penalties that apply to share certificates opened prior to January 1, 2016.
Charge
$5.00/mo
$5.00/check
$10.00
$8.00/withdrawal
$25.00 plus 1/2 of dividends that would have been earned from the date of withdrawal to the maturity date
Money Market
Below Minimum Withdrawal Fee
Over Transaction Limit
Description
Applies to withdrawals less than $250.
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.
Charge
$10.00/occurrence
$10.00/occurrence
ATM / Debit Card
ATM/Debit Card Replacement Fee
ATM Card Monthly Fee
ATM Card Monthly Fee
ATM/Debit Card Usage Fee
Kosair Charity Card Donation
Humane Society Charity Card Donation
International Transaction Fee
Description
"Standard Shipping (7-10+ business days) Quick Ship to Park (Guaranteed 5 business days) Quick Ship to Member (Guaranteed 5 business days, requires singature)"
With Checking relationship.
With Savings relationship only.
First 7 are free each mo. – includes Alliance One, Republic Bank, Money Pass, and Intercept transactions – does not include foreign ATM surcharge.
Replacement cards require another $5 donation.
Replacement cards require another $5 donation.
Fee will be based on transaction amount.
Charge
$5.00, $50.00, $60.00
$1.00/mo
$6.00/mo
$1.00 per use
$5.00 per card
$5.00 per card
No charge
Miscellaneous Fees
Convenience Payment
Lost Safe Deposit Box Key
Dormant Account Fee
Cashiers Check Fee – Member
Cashiers Check Fee – Non Member
Research/Reconciliation
Returned Foreign Deposit
Foreign Deposit
Returned Deposit Fee
Returned Mail Fee
Shared Branch Excessive Withdrawals
Skip-A-Month
Overnight Delivery Fee
Money Order Fee
Statement Copy
Wire Transfer – Incoming
Wire Transfer – Outgoing
Wire Transfer – International
Descriptions
Via telephone
Drilling Fee
Charged to members who have an inactive account relationship for 12 months and a combined daily balance below $1,000 (Excludes Share Certificate, Health Savings Accounts, IRA Certificates, IRA Savings, and Educational Savings Accounts). Fee waived for members under age 18.
Per item.
Per item.
By appointment only.
Items drawn outside the United States.
Deposits from outside the United States.
"Drawn on Member’s acct at another financial institution. Drawn on third party’s account."
Per item.
First 4 withdrawals (or cash back) per month are free.
Not available on all loan products.
Per item.
Per item.
Per item.
Per item.
Per item.
Per item.
Charge
$10.00
$125.00
$7.00/mo
$5.00 each
$9.00 each
$15.00/hour
$32.00 each
$12.00
$32.00/item, $15.00/item
$10.00
$5.00 each
$25.00/per skip
$17.50
$2.50 each
$5.00 each
$10.00/wire
$20.00/wire
$40.00/wire

HSA Fees & Charges

Type
HSA Card Replacement Fee
Description
Standard Shipping (7-10+ business days)
Charge
FREE

A community of opportunity.

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