22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 2, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Compared at $29, the middle of its prices
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for South Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Palmetto Citizens Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour · Account Research / Reconciliation | $20.00 / hour
per month
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Senior Program (VIPS): Under Minimum Balance Fee | $2 | Not stated | None |
| Early Share Account Closing Fee (within 90 days) | $15 | Not stated | None |
| Dormant Account Fee (inactive over 12 months) | $5 | per month | None |
| Escheatment Letter | $50 | Not stated | None |
| Account Research / Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Research / Reconciliation | $20.00 / hour |
| Excessive Withdrawal Fee (over 2 per month) | $3 | Not stated | None |
| Incorrect Address Fee | $6 | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege (per presentment) | $29 | per item | None |
| Non-sufficient Funds (per presentment) | $29 | per item | None |
| Returned Item (personal check/ACH) | $29 | Not stated | None |
| Stop Payment Placement / Removal With Insufficient Funds | $16 | Not stated | None |
ATM & Card | |||
| Usage of Non-Palmetto Citizens or Non-Allpoint ATM | $2 | per item | None |
| Debit Card Reissue (includes HSAs) | $10 | Not stated | None |
| Foreign Transaction (Debit Card) | 1%of the transaction | Not stated | None |
| Foreign Transaction (Debit Card) (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer: United States International (Convera) | $10 | Not stated | None |
Check Services | |||
| Cashier's Check | $6 | Not stated | None |
| Money Order | $2.50 | Not stated | None |
| Counter Checks (4) - waived with full check order | $5 | Not stated | None |
| Check Copy | $1 | Not stated | None |
Digital & Electronic | |||
| Expedited Payments for Bill Pay | $9.95 | Not stated | None |
Cash & Deposit | |||
| Mobile Deposit Returned Check | $10 | Not stated | None |
| Returned Deposit Item (two-party) | $4 | Not stated | None |
Account Services | |||
| Safe Deposit Boxes (annually): 3 X 5 5 X 5 3 X 10 5 X 10 10 X 10 | $32 | per year | None |
| Levy/Garnishment | $50 | Not stated | None |
| Mortgage Subordination | $125 | Not stated | None |
Lending Fees | |||
| Late Fee (excludes single payment notes) | 5%($25 maximum) | Not stated | None |
| Late Fee (excludes single payment notes) (audience not stated, treated as personal) | 5%($25 maximum) | Not stated | None |
Retirement & IRA | |||
| IRA Closure Fee | $5Not compared: Monthly charge, not per item | per month | None |
Gift & Prepaid Cards | |||
| Visa® Gift Card | $2.50 | per item | None |
Other Fees | |||
| Statement Copy | $3 | Not stated | None |
| Overdraft from Home Equity Line of Credit (per advance) | $5 | per item | None |
| Skip a Payment (eligible members / loans) | $35 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per month
per hour · Account Research / Reconciliation | $20.00 / hour
per month
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Senior Program (VIPS): Under Minimum Balance Fee | $2 | Not stated | None |
| Early Share Account Closing Fee (within 90 days) | $15 | Not stated | None |
| Dormant Account Fee (inactive over 12 months) | $5 | per month | None |
| Escheatment Letter | $50 | Not stated | None |
| Account Research / Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Research / Reconciliation | $20.00 / hour |
| Excessive Withdrawal Fee (over 2 per month) | $3 | Not stated | None |
| Incorrect Address Fee | $6 | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege (per presentment) | $29 | per item | None |
| Non-sufficient Funds (per presentment) | $29 | per item | None |
| Returned Item (personal check/ACH) | $29 | Not stated | None |
| Stop Payment Placement / Removal With Insufficient Funds | $16 | Not stated | None |
ATM & Card | |||
| Usage of Non-Palmetto Citizens or Non-Allpoint ATM | $2 | per item | None |
| Debit Card Reissue (includes HSAs) | $10 | Not stated | None |
| Foreign Transaction (Debit Card) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer: United States International (Convera) | $10 | Not stated | None |
Check Services | |||
| Cashier's Check | $6 | Not stated | None |
| Money Order | $2.50 | Not stated | None |
| Counter Checks (4) - waived with full check order | $5 | Not stated | None |
| Check Copy | $1 | Not stated | None |
Digital & Electronic | |||
| Expedited Payments for Bill Pay | $9.95 | Not stated | None |
Cash & Deposit | |||
| Coin Counter for Business Accounts | 5% | Not stated | None |
| Mobile Deposit Returned Check | $10 | Not stated | None |
| Returned Deposit Item (two-party) | $4 | Not stated | None |
Account Services | |||
| Safe Deposit Boxes (annually): 3 X 5 5 X 5 3 X 10 5 X 10 10 X 10 | $32 | per year | None |
| Levy/Garnishment | $50 | Not stated | None |
| Mortgage Subordination | $125 | Not stated | None |
Lending Fees | |||
| Late Fee (excludes single payment notes) | 5%($25 maximum) | Not stated | None |
Retirement & IRA | |||
| IRA Closure Fee | $5Not compared: Monthly charge, not per item | per month | None |
Gift & Prepaid Cards | |||
| Visa® Gift Card | $2.50 | per item | None |
Other Fees | |||
| Statement Copy | $3 | Not stated | None |
| Overdraft from Home Equity Line of Credit (per advance) | $5 | per item | None |
| Skip a Payment (eligible members / loans) | $35 | Not stated | None |
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
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