Fees

*Free Business Checking 100 deposit items free per month no dail minimum balance requirement
*Business Checking 500 deposit items per month Minimum dail balance of $500.00
*Elite Business Checking 750 deposit items per month Minimum dail balance $5,000, earn interest on balances.
BUSINESS ACCOUNTS

Per deposit items over your minimum

Monthy Maintenance fee of $10 plus 25 cents each item
Check cashing for you or your employees $5.00 each item
Direct Deposit FREE
Payroll services FREE (we deposit to your employees only)
Coin deposited or purchase $0.10 per rolled item
Business Debit Card FREE (Replacements standard rate)
Overdraft & Returned Item Fee (check, ATM, EFT, in-person or by any other means $35.00 per item
Dormant Account $12 per year
   
   
   

Basic Fees and Service Charges

Pickens Federal Credit Union - Notice to Members:
Please be aware that your Board of Directors have voted to increase some fees:

Returned item fee (per item) (Per item deposited or cashed at PFCU) $20.00
Estatements $FREE
Insufficient Funds Draft Fees and Overdraft Advance Fees
(per Item) NSF’s
$35.00
Courtesy Posting Fee - per item until corrected $10.00
Check Copy or draft copy fee (per item) $2.50
Statement copy fee $5.00
Activity printout fee (per day) $3.00
Share Transfer fee (per transfer) from prime share to checking account for overdraft coverage (These transfers are made in increments of $50.00 only) $5.00
Replacement ATM/Debit Card Fee & PIN Reminder Fee (per occurrence)  $5.00
Stop Payment request Fee (per request) For Draft Checks only $20.00 
ACH Stop Payment, Change, or Delete $25.00
ACH/EFT (money sent to another institution or bill payment center) $10.00 per occurence
Certified Check (1 free per month) $5.00
Check Printing fees (per 150 drafts-by Harland/Clarke) Price varies depending on style
Incorrect Address/Return Mail (includes bad addresses) per month charge until corrected $10.00
Wire Transfer Request Fees both Incoming and Outgoing $15.00
Wire Transfer Request Fees - Outgoing Foreign (Outside continental U.S. ) $45.00
Loan Processing Fee (Equifax, Carfax, Title Work) $55.00
Account reconciliation/Research fees not including copy/statement fees (per hour) $12.00

Inactivity/Dormancy Fee (per year)

$12.00
Converting a member draft into a certified check (Includes non-members and outside companies) Up to $25.00 per item
Non-member check cashing (Includes member draft and PFCU certified check) $5 per item
Legal process: Tax levies, garnishments, etc. (per occurrence) Actual Costs
Membership Fee $5.00
Closed Membership Processing Fee $5.00
Paper statement fee $2.00
Membership below minimum balance - per month until corrected $5.00