Service Charge Schedule

SAVINGS

Description Charge
Stop Payment (each ACH) $20.00
Accumulator Savings Plan Early Withdrawal Fee 2 $25.00

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

ATMS

Description Charge
Provident ATMs (unlimited usage) None
CO-OP ATMs (unlimited usage) None
Foreign Currency Purchases Using Debit/ATM 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

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

CHECKING ACCOUNTS 

Description Charge
Bill Payments (bill payment and presentment) None
Overdraft From Qualified Accounts 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

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

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 (per item) $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) 19 $15.00/item
Standard Check Delivery Fee (per order) 20 $10.00
Check Cashing Fee (non-members) 21 $5.00
Any changes to the above will be published in the 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.

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