All Accounts 
              Courtesy Pay 
          Transfer from Shares                                                                       $ 25.00 /item 
          Negative Account Balance                                                                  25.00 /item 
      Insufficient Funds (NSF)                                                                      25.00 /item 
      Return Deposit Item                                                                              25.00 /item 
      Return Payment Item                                                                            25.00 /item 
      Stop Pay Request by Member, on a 
          Credit Union Issued Check                                                                24.00 /item 
      Payroll Deducted Deposit                                                                      Free 
      Account Research                                                                                 10.00 /30 minutes 
      Invalid Acct#  Research for Manual Posting                                      15.00 
      Deposit Received for a Closed Account                                             4.00 /deposit 
      Returned Mail Processing                                                                     10.00 /account occurrence 
      Inactive Account                                                                                       2.00 /month 
      Abandoned Account                                                                             50.00 /account 
      Cashier Check {After 3 Free /month}                                                       3.00 /check 
      On Line Teller Access                                                                            Free 
      On Line Account Transfers                                                                    Free 
      
        - Check Cashing Fee ........................................................................$5.00
 
             
          
             
                Share Accounts 
      Monthly Membership Charge                                                                None 
      Excessive Withdrawals {After 4 allowed /month}                                $1.00 /withdrawal 
      Below Minimum Balance                                                                      1.00 /month 
                ACH 
      ACH Direct Deposit                                                                                 Free 
      ACH Drafted Item                                                                                     Free 
      ACH Transfers to other Financial Institutions                                 $10.00 /transfer    
                Loans 
      To Process a Loan   *****************                                           $ 25.00 /application 
      To Process a Co-maker Application                                             $ 25.00 /application 
      Refinance Loan in Less Than 6 Months                                          10.00 /loan 
      Payment by  check using color or gel ink                                          10.00 /payment 
      Loan > 30 Days Past Due                                                                   10.00 /month                                               
      Title Default Fee                                                                                    25.00 /month 
      ACH Originated Draft Payment 
          By PFCU from another Institution                                                        Free                                              
      Payment Coupon Book                                                                           Free                                                        
      Replacement of Payment Coupon Book                                            5.00 /book                        
                Wire Transfers 
      Outgoing                                                                                             $ 20.00 /transfer 
      Incoming                                                                                                  Free 
      Share Draft Accounts 
            Monthly Account Charge                                                                      None 
            Stop Payments                                                                                   15.00 /request 
            Below Minimum Balance                                                                    5.00 /month 
            Share Draft Copies 
            Individual Request                                                                                 .50¢ /item 
            Whole Month {with statement}                                                                 .50¢ /page 
                                                                . . . . . . . . . . . . . . . . . . . . .                   5.00 maximum 
      Statement Copy {Replacement}                                                          .50¢ /page 
      Statement Reconciliation                                                                 15.00 /30 minutes  
      Check Printing                                                                                      Dependent on Style 
       
      ATM / Debit Cards 
            Monthly Charge                                                                                        None 
            Card Setup                                                                                         $  5.00 /card 
            Card Rush Delivery                                                                            55.00 /card 
            Card Order Cancelled                                                                          7.00 /card 
            Hot Carding Through Credit Union                                                     5.00 /card   
            Hot Carding Through IVR 1-800 Number                                         7.00 /request     
             Hot Carding Through Shazam Customer Service                        10.00 /request 
             Temporary Block on Card                                                                     2.00 /request 
             Card Replacement Request by Member                                          10.00 /card 
            Card Replacement at Expiration Date                                                 Free 
            PIN Reset or Change                                                                           2.00 /request 
            Point of Sale Transaction                                                                       Free 
            ATM Transaction                                                                                      Free 
                  {Shazam Prefered Status participation excludes Arvest  ATMs} 
                  {Other Institutions may charge you for using their ATM} 
      Safe Deposit Boxes 
      3 x 10                                                                                                     20.00 /year 
                5 x 10                                                                                                     25.00 /year 
               7 x 10                                                                                                     30.00 /year 
            10 x 10                                                                                                     40.00 /year  
            
       
     
        
        
        
        
        
        
        
        
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