Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community credit union, $1B to $10B

Palmetto Citizens Federal Credit Union

Columbia, South CarolinaCredit UnionRichmond Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research / Reconciliation$20Within the typical range ($15–$25 nationally)

Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=account_research; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Account Research / Reconciliation | $20.00 / hour" · Source

Dormant Account Fee (inactive over 12 months)$5

At the national median

Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=dormant_account; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Dormant Account Fee (inactive over 12 months) | $5.00 / month" · Source

Premium Checking Under Minimum Balance 1$12

$6 above the national median

Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=minimum_balance; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Premium Checking Under Minimum Balance 1 | $12.00 / month" · Source

Reloadable Debit Cards (other fees may apply): Purchase Price Reload Fee Monthly Maintenance Fee$3.95

$2.18 below the national median

per month · Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=monthly_maintenance; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Reloadable Debit Cards (other fees may apply): Purchase Price Reload Fee Monthly Maintenance Fee | $3.95 $0.50 $1.75" · Source

Senior Program (VIPS): Under Minimum Balance Fee10$2

$4 below the national median

Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=minimum_balance; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Senior Program (VIPS): Under Minimum Balance Fee10 | $2.00" · Source

Overdraft & NSFVerified

Non-sufficient Funds (per presentment)$29Within the typical range ($25–$32 nationally)
At the national median
per item · Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=nsf; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Non-sufficient Funds (per presentment) | $29.00" · Source
Overdraft Privilege (per presentment)$29Within the typical range ($20–$30 nationally)
$1 above the national median
per item · Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=overdraft; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Overdraft Privilege (per presentment) | $29.00" · Source
Overdraft Protection (per advance)2$5Below the typical range ($20–$30 nationally)
$23 below the national median
Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=overdraft; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Overdraft Protection (per advance)2 | $5.00" · Source
Returned Item (personal check/ACH)$29Within the typical range ($25–$32 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=nsf; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Returned Item (personal check/ACH) | $29.00" · Source
Stop Payment Placement / Removal With Insufficient Funds$16Below the typical range ($25–$32 nationally)
$13 below the national median
Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=nsf; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Stop Payment Placement / Removal With Insufficient Funds | $16.00 $29.00" · Source

ATM & CardVerified

Usage of Non-Palmetto Citizens or Non-Allpoint ATM$2Within the typical range ($1–$3 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=atm_non_network; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Usage of Non-Palmetto Citizens or Non-Allpoint ATM | $2.00 / transaction" · Source

Check ServicesVerified

Cashier's Check$6Within the typical range ($3–$6 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=cashiers_check; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Cashier's Check | $6.00" · Source
Check Copy$1Below the typical range ($2–$5 nationally)
$2 below the national median
Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=check_image; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Check Copy | $1.00" · Source
Money Order$2.50Within the typical range ($2–$3.50 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=money_order; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Money Order | $2.50" · Source

Digital & ElectronicVerified

Expedited Payments for Bill Pay$9.95Within the typical range ($0–$12.50 nationally)
$4.95 above the national median
Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=bill_pay; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Expedited Payments for Bill Pay | $9.95" · Source
Mobile Deposit Returned Check$10Above the typical range ($0–$1 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=mobile_deposit; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Mobile Deposit Returned Check | $10.00" · Source

Account ServicesVerified

Levy/Garnishment$50Within the typical range ($25–$75 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=garnishment_levy; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Levy/Garnishment | $50.00" · Source
Safe Deposit Boxes (annually): 3 X 5 5 X 5 3 X 10 5 X 10 10 X 10$32Within the typical range ($25–$80 nationally)
$8 below the national median
per year · Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=safe_deposit_box; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Safe Deposit Boxes (annually): 3 X 5 5 X 5 3 X 10 5 X 10 10 X 10 | $32.00 $37.00 $42.00 $52.00 $92.00" · Source

Retirement & IRAVerified

IRA Closure Fee IRA Minimum Balance Fee8$5Below the typical range ($25–$40 nationally)
$20 below the national median
per month · Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=ira_termination; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="IRA Closure Fee IRA Minimum Balance Fee8 | $5.00 $4.00/month" · Source

Gift & Prepaid CardsVerified

Visa® Gift Card$2.50Below the typical range ($3–$4.95 nationally)
$1.13 below the national median
Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=gift_card_purchase; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Visa® Gift Card | $2.50 Per Card" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research / Reconciliation	$20Within the typical range ($15–$25 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=account_research; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Account Research / Reconciliation \| $20.00 / hour"	Source
Dormant Account Fee (inactive over 12 months)	$5Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=dormant_account; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Dormant Account Fee (inactive over 12 months) \| $5.00 / month"	Source
Premium Checking Under Minimum Balance 1	$12Within the typical range ($5–$12.25 nationally)	$6 above the national median	—	Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=minimum_balance; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Premium Checking Under Minimum Balance 1 \| $12.00 / month"	Source
Reloadable Debit Cards (other fees may apply): Purchase Price Reload Fee Monthly Maintenance Fee	$3.95Below the typical range ($4–$12.63 nationally)	$2.18 below the national median	per month	Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=monthly_maintenance; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Reloadable Debit Cards (other fees may apply): Purchase Price Reload Fee Monthly Maintenance Fee \| $3.95 $0.50 $1.75"	Source
Senior Program (VIPS): Under Minimum Balance Fee10	$2Below the typical range ($5–$12.25 nationally)	$4 below the national median	—	Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=minimum_balance; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Senior Program (VIPS): Under Minimum Balance Fee10 \| $2.00"	Source
Overdraft & NSFVerified
Non-sufficient Funds (per presentment)	$29Within the typical range ($25–$32 nationally)	At the national median	per item	Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=nsf; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Non-sufficient Funds (per presentment) \| $29.00"	Source
Overdraft Privilege (per presentment)
ATM & CardVerified
Usage of Non-Palmetto Citizens or Non-Allpoint ATM	$2Within the typical range ($1–$3 nationally)	$0.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=atm_non_network; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Usage of Non-Palmetto Citizens or Non-Allpoint ATM \| $2.00 / transaction"	Source
Check ServicesVerified
Cashier's Check	$6Within the typical range ($3–$6 nationally)	$1 above the national median	—	Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=cashiers_check; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Cashier's Check \| $6.00"	Source
Check Copy	$1
Digital & ElectronicVerified
Expedited Payments for Bill Pay	$9.95Within the typical range ($0–$12.50 nationally)	$4.95 above the national median	—	Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=bill_pay; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Expedited Payments for Bill Pay \| $9.95"	Source
Mobile Deposit Returned Check	$10
Account ServicesVerified
Levy/Garnishment	$50Within the typical range ($25–$75 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=garnishment_levy; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Levy/Garnishment \| $50.00"	Source
Safe Deposit Boxes (annually): 3 X 5 5 X 5 3 X 10 5 X 10 10 X 10
Retirement & IRAVerified
IRA Closure Fee IRA Minimum Balance Fee8	$5Below the typical range ($25–$40 nationally)	$20 below the national median	per month	Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=ira_termination; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="IRA Closure Fee IRA Minimum Balance Fee8 \| $5.00 $4.00/month"	Source
Gift & Prepaid CardsVerified
Visa® Gift Card	$2.50Below the typical range ($3–$4.95 nationally)	$1.13 below the national median	—	Knox deterministic extraction from Rosetta artifact #3297. canonical_hint=gift_card_purchase; text_hash=01a910ab95f19a3afe6b2ddad886745467a0fe7944ca7385e70696ff8af9cf65; excerpt="Visa® Gift Card \| $2.50 Per Card"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$29

Overdraft fee: $29

Overdraft fee is aligned with the national median

Total fees: 20 — leaner than most institutions

Verified fees

Under review

Assets

$1.5B

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$1.5B

Total deposits

$1.2B

Service charge income (year to date)

$9.0M

Fee income ratio

17.2%

Return on assets

1.49%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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