Service Charge Schedule

Service Charge Schedule

Disclosures

  • *) A Non-Sufficient Funds (NSF) Fee or Courtesy Pay Overdraft Fee may be assessed each time an item is presented for payment if you do not have enough money in your available balance to cover a transaction, even if the same item was presented and rejected. However, if an ACH payment is represented after being rejected and it is labeled by the merchant as a ‘Retry” then Provident will not charge a Courtesy Pay Overdraft or Non-Sufficient Funds (NSF) Fee other than the first time it is presented. We will rely on the merchant’s designation of a transaction to determine whether it is a “Retry” and your only recourse for improperly designated transactions is with the merchant you were attempting to pay. Provident will not assess fees unless a member's available balance is negative by more than $5.00 and the individual transaction is for more than $10.00. The maximum number of Courtesy Pay Overdraft Fees we assess for each checking account is limited to 5 per day. There is no limit to the number of Non-Sufficient Funds (NSF) Fees we will charge per check and ACH payment transactions that are rejected.
  • 1) You may be subject to an ATM service charge imposed by the institution owning the ATM. In addition, nationwide ATM service fees imposed by another institution may qualify for rebates with a Super Reward Checking 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.
  • 10) 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.
  • 11) Fee charged every month until the card expires or is at zero balance.
  • 12) Any foreign check that is returned to us may be returned at a different currency exchange rate than what was initially processed.
  • 13) This fee may vary by merchant country and applies to in-person, online, mobile, and e-commerce transactions, including transactions conducted from the United States at merchants located in other countries. Merchant and ATM networks in other countries may charge fees for debit cards issued in the US and are in addition to any Provident fees.
  • 14) Limit three per day per member. Additional requests are subject to stated fee.
  • 15) Non-Provident Credit Union documents. Notary services available for Provident members only.
  • 16) Limit two per day per member. Additional requests are subject to stated fee.
  • 17) First three items cost $6 per item. Additional items are $24.00 per hour and $0.10 per page.
  • 18) Fees apply to all Savings, Checking, Money Market, and HSA accounts. Applies to items created by check, debit card payments, ACH, or other electronic means.
  • 19) 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.
  • 2) You may be charged withdrawal fees for out-of-network ATM transactions by other financial institutions.
  • 20) 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.
  • 3) Applies to any withdrawal made prior to the account maturity date.
  • 4) For Checks, ACH, Bill Pay, Official Checks, Money Orders
  • 5) A penalty may be imposed for withdrawals before maturity for certificates: 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 Member Agreement.
  • 6) Waived for groups of 10 or more.
  • 7) 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 or deposit with Provident Credit Union.
  • 8) Includes Super Reward, Simply Free, Provident and Regular Checking accounts only. Applies to checks, recurring debit payments, and ACH withdrawals made using your checking account number. Members must opt in to receive Courtesy Pay Overdraft service on ATM transfers or withdrawals and one-time debit card payments.
  • 9) Account has been discontinued.

Disclosures

  • **) Any changes to the above will be published in our monthly Newsletter 30 days prior to any change. Service charges incurred at shared branches or credit unions which are part of the CO-OP Shared Branch network may vary.