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Fees & Disclosures

Account Services


Non-Sufficient Fund (NSF) Returned Check / ACH/ATM (for each time the item is presented for payment)


Returned Deposited Check (for each time the item is presented for payment)


Stop Payment on Check / ACH
(per item)


Stop Payment on CU Official Check (per item)


ACH Transfer to a Financial Institution (a)

$5 per ACH

Special Savings Account Early Withdrawal


Check Copy (No Charge with Online Banking)


Copy of Account Statement (b)

$10 per statement period

Credit Union Official Check to Member

$2 (amounts less than $500)

Credit Union Official Check Payable to Third Party


Money Order


Visa Gift Card


Check Printing 

Varies with style

ePay - Bill Payment

No charge

ePay - Bill Payment Inactivity Fee (c)



Wire Transfer Services


Domestic Wire Transfer


International Wire Transfer


Incoming International Wire Transfer by SWIFT code


Wire Transfer – Research/Verification

$10 per wire


Other Services


Foreign Check Collection (d)


Dormant/Inactive Account (e)

$5 per month

Account Research/Reconciliation

$25 per hour (minimum 1 hour)

Incorrect Address/Returned Mail

$5 per month

Levy/Lien/Garnishment Processing


Account Escheatment Processing


Account Verification/Loan Pay-Off Request by Creditor


Express Overnight Shipping


Notary Public

$2 for non-members


Loan Services


Lien Processing (f)

$30 plus state costs

Lien Subordination


Mortgage Loan Modification (g)


Skip-a-Payment (h)

$30 per loan


Debit Cards


ATM Withdrawals - over 10 withdrawals per month (i)

$1.00 per transaction

ATM Balance Inquiries (j)

No Charge

Card Replacement


Card Replacement - Rush order


PIN Reorder


PIN Reorder - Rush order


Debit Card Charge Back or Disputed Transaction Found to be Member Authorized


  1. Use ePay Bill Payment to initiate ACH Transfers at no charge
  2. Use eStatements or Online Banking to obtain account statements at no charge
  3. No Fee will be charged if at least one (1) bill is paid per month
  4. Additional fees may be charged by intermediary financial institution
  5. An account will be classified as dormant/inactive if no activity occurs for more than 12 months
  6. Additional charges may apply and vary by state
  7. Additional charges may apply
  8. Only one (1) Skip-A-Payment is allowed per loan, per year
  9. Unlimited withdrawals at no charge permitted at PAHO/WHO FCU ATMs.  Additional transaction surcharge may also be charged by ATM owner.
  10. Fees may be imposed at Non-PAHO/WHO FCU ATMs

Account Disclosures

The FACT Act
Regulation CC/Funds Availability Policy
Electronic Fund Transfers
Visa® Gift Cards

Rewards World Mastercard® Disclosure