Patent And Trademark Office Federal Credit Union

Headquarters: Alexandria, Virginia
Charter: Credit Union
Assets: $40.1M
Fed district: Richmond

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Patent And Trademark Office Federal Credit Union: $35
Patent And Trademark Office Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Patent And Trademark Office Federal Credit Union: $35
Patent And Trademark Office Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Patent And Trademark Office Federal Credit Union: $1
Patent And Trademark Office Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Patent And Trademark Office Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closing Primary Account within 6 months of opening$25
Dormant Account/Per Quarter (no activity for 1 year/effective Jan. 1, 2011)$20
Not compared: Quarterly charge, not monthly
per quarter
Account Research/Per Hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Check Card research of charge-back or dispute that is proven to be a member authorized transaction$25
Returned Mail/Per Piece$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

ATM Share Overdraft (Balance Below $25.00)$35
Check Card Overdraft$35
Returned Electronic ACH (NSF)$35
Returned Share Draft Check (NSF)$35
Overdraft Transfers/Per Transfer After 6 per month$5
per item

ATM & Card

ATM Transaction (Non-PTOFCU ATMs)$1
ATM Replacement Card$10
Check Card Replacement Card$10
Visa Replacement Card$10

Wire Transfers

Wire Transfer Domestic$30
Wire Transfer International$40

Check Services

Certified Check$7
Official Check$5
Money Order (each)$2
per item
Money Order Stop Payment$15
Stop Payment on Share Draft, Official Check, or Electronic ACH$35
Copy of Share Draft$5

Digital & Electronic

ACH Origination$5

Cash & Deposit

Visa Cash Advance$2

Lending Fees

Visa Late Payment5%($15 minimum)

Other Fees

Copy of Statement$5
Per Check/Facsimile (Fax)$10
per item
Duplicate Lien Release$17
Home Equity Loan Application$25
Loan Extension Agreement$15
Request to pay-off loan with us$10
Skip-A-Payment/Per Approved Request$20

Fee	Amount	Basis	Note
Account Maintenance
Closing Primary Account within 6 months of opening	$25	Not stated	None
Dormant Account/Per Quarter (no activity for 1 year/effective Jan. 1, 2011)	$20Not compared: Quarterly charge, not monthly	per quarter	None
Account Research/Per Hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Check Card research of charge-back or dispute that is proven to be a member authorized transaction	$25	Not stated	None
Returned Mail/Per Piece	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
ATM Share Overdraft (Balance Below $25.00)	$35	Not stated	None
Check Card Overdraft	$35	Not stated	None
Returned Electronic ACH (NSF)	$35	Not stated	None
Returned Share Draft Check (NSF)	$35	Not stated	None
Overdraft Transfers/Per Transfer After 6 per month	$5	per item	None
ATM & Card
ATM Transaction (Non-PTOFCU ATMs)	$1	Not stated	None
ATM Replacement Card	$10	Not stated	None
Check Card Replacement Card	$10	Not stated	None
Visa Replacement Card	$10	Not stated	None
Wire Transfers
Wire Transfer Domestic	$30	Not stated	None
Wire Transfer International	$40	Not stated	None
Check Services
Certified Check	$7	Not stated	None
Official Check	$5	Not stated	None
Money Order (each)	$2	per item	None
Money Order Stop Payment	$15	Not stated	None
Stop Payment on Share Draft, Official Check, or Electronic ACH	$35	Not stated	None
Copy of Share Draft	$5	Not stated	None
Digital & Electronic
ACH Origination	$5	Not stated	None
Cash & Deposit
Visa Cash Advance	$2	Not stated	None
Lending Fees
Visa Late Payment	5%($15 minimum)	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	None
Per Check/Facsimile (Fax)	$10	per item	None
Duplicate Lien Release	$17	Not stated	None
Home Equity Loan Application	$25	Not stated	None
Loan Extension Agreement	$15	Not stated	None
Request to pay-off loan with us	$10	Not stated	None
Skip-A-Payment/Per Approved Request	$20	Not stated	None

Correct a fee source

Oct 15, 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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