Service Charge Schedule

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Schedule is valid as of October 1, 2019 and is subject to change

Savings

Description Charge
Stop Payment (each ACH)
$
20.00
Accumulator Savings Plan Early Withdrawal Fee 2
$
25.00
2) Applies to any withdrawal made prior to the account maturity date.

Online Banking

Description Charge
Online Banking None
Bill Payments (bill payment and presentment) 3 None
Bill Payments Expedited Payments
$
19.95
Research/Copy of Cleared Bill Payments Check
$
6.00
Bill Payments Stop Payment (each) 4
$
20.00
3) Checking account required.
4) Only available for paper checks and assumes payment has already been sent. Payments scheduled for the future that have not yet been sent can be canceled or changed at any time.

ATMs

Description Charge
Provident ATMs (unlimited usage) None
CO-OP ATMs (unlimited usage) None
Foreign Currency Purchases Using Debit/ATM, prepaid cards Up to 3% of transaction
Foreign Currency Purchases Using Visa Consumer and Business Credit Cards No fee
Initial ATM Card or Visa Debit Card (per account) None

Using non-Provident, non-CO-OP ATMs 5

(Charges do not apply to Super Reward Checking accounts)

Description Charge
First 4 Transactions Per Month 6 None
Balance Inquiry/Withdrawal Service Charge (each, after 4th transaction) 7
$
1.50
Business Account Balance Inquiry/Withdrawal Service Charge (each)
$
2.50
Transfer Service Charge (each, after 4th transaction) 8
$
3.00
Charges From Other Institution Owning the ATM 9 Varies
5) Refers to Provident charges. You may be subject to an additional ATM service charge imposed by the institution owning the ATM.
6) Waived for all transactions if you have Super Reward Checking. Fee waiver does not apply if you have Fresh Start Checking, Business Checking, or if using a Prepaid card.
7) Charge does not apply to Super Reward Checking accounts. All transactions are charged if you have Fresh Start Checking or if using a Prepaid card.
8) Charge does not apply to Super Reward Checking accounts. All transactions are charged if you have Fresh Start Checking, Business Checking, or if using a Prepaid card.
9) You may be subject to an ATM service charge imposed by the institution owning the ATM. However, Super Reward Checking account holders will receive a rebate of up to $12 per month when you meet the monthly minimum requirements. ATM surcharge rebates will be deposited into your Super Reward Checking Account on the first day of the following month.

TERM SHARE CERTIFICATE, IRA AND HEALTH SAVINGS ACCOUNT

Description Charge
IRA Transfer Fee 10
$
15.00
HSA Monthly Service Charge 11
$
2.00
HSA Cancellation Service Charge
$
15.00
Certificate Early Withdrawal Penalties 12 Varies
10) For IRA Term Share Certificates, if transferring and withdrawing funds before maturity, both an early withdrawal penalty and IRA Transfer Fee will apply. If within the 7-day grace period, only the IRA Transfer Fee will apply. We will waive the IRA Transfer Fee if any of the following occurs a) death or total disability of the member; b) the voluntary or involuntary liquidation of this Credit Union; c) the credit union fails to pay a dividend on a certificate within ten (10) days after the established dividend date; d) required minimum distribution - annual. e) Withdrawal is a recharacterization or conversion staying on deposit with Provident Credit Union.
11) Waived for groups of 10 or more.
12) a) If your account has an original maturity of less than 12 months, the penalty we may impose will equal the greater of $100 or 90 days earnings. b) If your account has an original maturity of 12 months or more, the penalty will equal the greater of $150 or $180 days earnings c) For Youth Add-On certificates the penalty we may impose will equal 180 days earnings. For more information please refer to Provident's Master Account Agreement and Disclosure.

Checking Accounts 13

Description Charge
Bill Payments (bill payment and presentment) None
Overdraft From Qualified Accounts 13 None
Courtesy Pay of Written Check, ACH, Debit Card, and ATM Transactions (each)
$
28.00
Stop Payment (each ACH or check) 14
$
20.00
Replacement Debit Card
$
10.00
Express Delivery on Replacement and/or Lost Debit Card
$
25.00
13) See below for exceptions that apply to Simply Free Checking accounts and to Business Checking accounts.
14) Assumes payment has already been sent. Payment scheduled for the future that have not yet been sent can be canceled or changed at any time.

Simply Free Checking Account

Description Charge
Overdraft From Qualified Accounts (each)
$
4.00

Business Checking Accounts

Description Charge
Overdraft From Qualified Accounts (each)
$
4.00

Checking Account Monthly Service Charges

Description Waived If You Have... Charge
Super Reward Checking None
Provident Checking One of the following:
  • $2,500 minimum daily balance (total in checking and deposit accounts)
  • Direct Deposit (minimum $1,000/month)
  • 2 electronic bill payments/month thru Bill Payments (Please note, bill payments issued via paper check will not count towards waiving the monthly service fee.)
$
10.00
Simply Free Checking None
Youth Checking None
Regular Checking $500 minimum daily balance in this account 15
$
5.00
Fresh Start Checking Monthly service charge cannot be waived 15
$
15.00
Dividend Business Checking None
Dividend Business Checking for Non-Profits Proof of tax exemption. None
15) Account has been discontinued.

Prepaid EMV Card

Description Charge
Primary and Secondary Initial Card
$
9.95
Reload (2 free loads per month)
$
2.00
Monthly Maintenance
$
2.00
Express Shipping
$
20.00
Card Replacement
$
15.00

Gift Card

Description Charge
Annual Fee
$
0.00
Standard Shipping
$
0.00
Express Shipping
$
20.00
Card Replacement
$
5.00
Online Personalization
$
0.00
Card Activation
$
3.95
Inactivity Fee (after 12 months)
$
2.50

Wire Transfers

Description Charge
Incoming (domestic and international)
$
10.00
Outgoing Domestic
$
25.00
Outgoing International
$
45.00
Wire Research (each)
$
35.00

Other Service Charges

Description Charge
NSF (per check or ACH)
$
28.00
Money Orders (first three at no charge) 16
$
3.00
Official Checks (first two at no charge) 17
$
5.00
Replacement and/or Additional Requested Credit Card
$
10.00
Express Delivery on Replacement and/or Lost Credit Card
$
25.00
Stop Payment (each)
$
20.00
Payments by Phone (per transaction)
$
10.00
DMV Transfer Fee
$
15.00
Auto Loan Modification Fee
$
200.00
Foreign Collections 18 Varies
Escheat
$
2.00
Processing of Levies and Garnishments (per item)
$
25.00
Research/Copy of Cleared Check, Deposit, or Statement (first 3 item) 19
$
6.00
Research of Cleared Checks, Deposits, Statements and All Standard Subpoenas (per hour)
$
24.00
Copy of Researched Cleared Checks, Deposits, Statements and All Standard Subpoenas (per page)
$
0.10
Transfer of Account Due to Removal of Joint Owner
$
20.00
Verification of Deposit (written request from other institutions to Provident for account verification)
$
10.00
Courier service Varies
Duplicate Tax Document $6.00/item
Notary Fee (per signature) 20 $15.00/item
Standard Check Delivery Fee (per order) 21
$
10.00
Check Cashing Fee (non-members) 22
$
5.00
16) Limited to three money orders per day per member at no charge. Additional requests subject to stated fee. Does not apply to Business checking accounts; see Business Account fees for details.
17) Limited to two official checks per day per member at no charge. Additional requests subject to stated fee. Does not apply to Business checking accounts; see Business Account fees for details.
18) Any foreign check that is returned to us may be returned at a different currency exchange rate than what was initially processed.
19) First three items cost $6 per item. Additional items are $24.00 and $0.10 per page.
20) Notary fee services are available to all Provident members. Fee is applied for non-Provident Credit Union documents.
21) Standard delivery fee of $10 applies only to Provident Checking and Simply Free Checking accounts for each order of checks placed. Delivery fee may vary for other checking products.
22) This service applies to non-members only who are cashing Provident issued checks at a Provident branch location. Fee does not apply to Provident members and is waived for minors under the age of 18.
Any changes to the above will be published in the Connections newsletter and on the providentcu.org Web site with 30 days advance notice. Service charges incurred at credit unions which are part of the CO-OP Shared Branch network may vary.
(800) 632-4600

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321171731

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