Piedmont Advantage Credit Union

Headquarters: Winston Salem, North Carolina
Charter: Credit Union
Assets: $367.9M
Fed district: Richmond

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

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

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

Overdraft (OD)
Piedmont Advantage Credit Union: $32
Piedmont Advantage Credit Union: $32
U.S. median: no median
NSF / Returned Item
Piedmont Advantage Credit Union: $32
Piedmont Advantage Credit Union: $32
U.S. median: no median
Non-Network ATM
Piedmont Advantage Credit Union: $1
Piedmont Advantage Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Carolina, 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).
North Carolina: Banks and credit unions headquartered in North Carolina 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 Piedmont Advantage Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Escheatments (audience not stated, treated as personal)$100
Inactive Membership (no activity within 12 months)$10
per month
Paper Statement$3
per item
Return Statement$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft (OD)$32
Overdraft Advantage – Overdraft/NSF Fee$32
per item
Insufficient Funds (NSF) Fee$32
per item

ATM & Card

ATM Usage (Non-Piedmont Advantage ATM)$1
per item
Plastic Card Replacement (Debit)$20
per item

Wire Transfers

Wire Transfer – Domestic (audience not stated, treated as personal)$20
per item

Check Services

Official Check with 3rd Party Payee (audience not stated, treated as personal)$5
per item
Stop Payment$25
per item
Collection Item (audience not stated, treated as personal)$10
per item
Foreign Check Fee$50
per item
Check Copies$3
per item

Digital & Electronic

Returned ACH Origination$32
per item

Account Services

Mortgage Subordination (audience not stated, treated as personal)$100
Verification of Deposit (VOD)$10

Lending Fees

Real Estate Loans Late Payment (audience not stated, treated as personal)4%

Other Fees

Statement Copy (Quarterly/Monthly)$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Escheatments (audience not stated, treated as personal)	$100	Not stated	None
Inactive Membership (no activity within 12 months)	$10	per month	None
Paper Statement	$3	per item	None
Return Statement	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft (OD)	$32	Not stated	None
Overdraft Advantage – Overdraft/NSF Fee	$32	per item	None
Insufficient Funds (NSF) Fee	$32	per item	None
ATM & Card
ATM Usage (Non-Piedmont Advantage ATM)	$1	per item	None
Plastic Card Replacement (Debit)	$20	per item	None
Wire Transfers
Wire Transfer – Domestic (audience not stated, treated as personal)	$20	per item	None
Check Services
Official Check with 3rd Party Payee (audience not stated, treated as personal)	$5	per item	None
Stop Payment	$25	per item	None
Collection Item (audience not stated, treated as personal)	$10	per item	None
Foreign Check Fee	$50	per item	None
Check Copies	$3	per item	None
Digital & Electronic
Returned ACH Origination	$32	per item	None
Account Services
Mortgage Subordination (audience not stated, treated as personal)	$100	Not stated	None
Verification of Deposit (VOD)	$10	Not stated	None
Lending Fees
Real Estate Loans Late Payment (audience not stated, treated as personal)	4%	Not stated	None
Other Fees
Statement Copy (Quarterly/Monthly)	$3	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Inactive Membership (no activity within 12 months)$10
per month
Inactive Membership (no activity within 12 months)$10
per month
Paper Statement$3
per item
Paper Statement$3
per item
Return Mail$3
Not compared: Per-item charge, not monthly
per item
Return Statement$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft (OD)$32
Overdraft Advantage – Overdraft Fee$32
per item
Overdraft Advantage – Overdraft/NSF Fee$32
per item
Insufficient Funds (NSF) Fee$32
per item
Insufficient Funds (NSF) Fee$32
per item

ATM & Card

ATM Usage (Non-Piedmont Advantage ATM)$1
per item
Plastic Card Replacement (Debit)$20
per item
Plastic Card Replacement (Debit)$20
per item

Wire Transfers

Wire Transfer – Domestic$20
per item
Wire Transfer – International$35
per item

Check Services

Official Check with 3rd Party Payee$5
per item
Stop Payment$25
per item
Stop Payment 1$25
per item
Collection Item$10
per item
Foreign Check Fee$50
per item
Foreign Check Fee$50
per item
Check Copies$3
per item
Check Copies 1$3
per item

Digital & Electronic

Returned ACH Origination$32
per item

Account Services

Mortgage Subordination$100
Verification of Deposit (VOD)$10
Verification of Deposit (VOD)$10
per item

Lending Fees

Real Estate Loans Late Payment4%

Other Fees

Duplicate Statement Copy (Quarterly / Monthly)$3
per item
Statement Copy (Quarterly/Monthly)$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Inactive Membership (no activity within 12 months)	$10	per month	None
Inactive Membership (no activity within 12 months)	$10	per month	None
Paper Statement	$3	per item	None
Paper Statement	$3	per item	None
Return Mail	$3Not compared: Per-item charge, not monthly	per item	None
Return Statement	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft (OD)	$32	Not stated	None
Overdraft Advantage – Overdraft Fee	$32	per item	None
Overdraft Advantage – Overdraft/NSF Fee	$32	per item	None
Insufficient Funds (NSF) Fee	$32	per item	None
Insufficient Funds (NSF) Fee	$32	per item	None
ATM & Card
ATM Usage (Non-Piedmont Advantage ATM)	$1	per item	None
Plastic Card Replacement (Debit)	$20	per item	None
Plastic Card Replacement (Debit)	$20	per item	None
Wire Transfers
Wire Transfer – Domestic	$20	per item	None
Wire Transfer – International	$35	per item	None
Check Services
Official Check with 3rd Party Payee	$5	per item	None
Stop Payment	$25	per item	None
Stop Payment 1	$25	per item	None
Collection Item	$10	per item	None
Foreign Check Fee	$50	per item	None
Foreign Check Fee	$50	per item	None
Check Copies	$3	per item	None
Check Copies 1	$3	per item	None
Digital & Electronic
Returned ACH Origination	$32	per item	None
Account Services
Mortgage Subordination	$100	Not stated	None
Verification of Deposit (VOD)	$10	Not stated	None
Verification of Deposit (VOD)	$10	per item	None
Lending Fees
Real Estate Loans Late Payment	4%	Not stated	None
Other Fees
Duplicate Statement Copy (Quarterly / Monthly)	$3	per item	None
Statement Copy (Quarterly/Monthly)	$3	per item	None

Correct a fee source

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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Fees against the market

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

Overdraft (OD)
Piedmont Advantage Credit Union: $32
Piedmont Advantage Credit Union: $32
U.S. median: no median
NSF / Returned Item
Piedmont Advantage Credit Union: $32
Piedmont Advantage Credit Union: $32
U.S. median: no median
Non-Network ATM
Piedmont Advantage Credit Union: $1
Piedmont Advantage Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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).
North Carolina: Banks and credit unions headquartered in North Carolina 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.

Published fee schedule

Amounts from Piedmont Advantage Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Escheatments (audience not stated, treated as personal)$100
Inactive Membership (no activity within 12 months)$10
per month
Paper Statement$3
per item
Return Statement$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft (OD)$32
Overdraft Advantage – Overdraft/NSF Fee$32
per item
Insufficient Funds (NSF) Fee$32
per item

ATM & Card

ATM Usage (Non-Piedmont Advantage ATM)$1
per item
Plastic Card Replacement (Debit)$20
per item

Wire Transfers

Wire Transfer – Domestic (audience not stated, treated as personal)$20
per item

Check Services

Official Check with 3rd Party Payee (audience not stated, treated as personal)$5
per item
Stop Payment$25
per item
Collection Item (audience not stated, treated as personal)$10
per item
Foreign Check Fee$50
per item
Check Copies$3
per item

Digital & Electronic

Returned ACH Origination$32
per item

Account Services

Mortgage Subordination (audience not stated, treated as personal)$100
Verification of Deposit (VOD)$10

Lending Fees

Real Estate Loans Late Payment (audience not stated, treated as personal)4%

Other Fees

Statement Copy (Quarterly/Monthly)$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Escheatments (audience not stated, treated as personal)	$100	Not stated	None
Inactive Membership (no activity within 12 months)	$10	per month	None
Paper Statement	$3	per item	None
Return Statement	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft (OD)	$32	Not stated	None
Overdraft Advantage – Overdraft/NSF Fee	$32	per item	None
Insufficient Funds (NSF) Fee	$32	per item	None
ATM & Card
ATM Usage (Non-Piedmont Advantage ATM)	$1	per item	None
Plastic Card Replacement (Debit)	$20	per item	None
Wire Transfers
Wire Transfer – Domestic (audience not stated, treated as personal)	$20	per item	None
Check Services
Official Check with 3rd Party Payee (audience not stated, treated as personal)	$5	per item	None
Stop Payment	$25	per item	None
Collection Item (audience not stated, treated as personal)	$10	per item	None
Foreign Check Fee	$50	per item	None
Check Copies	$3	per item	None
Digital & Electronic
Returned ACH Origination	$32	per item	None
Account Services
Mortgage Subordination (audience not stated, treated as personal)	$100	Not stated	None
Verification of Deposit (VOD)	$10	Not stated	None
Lending Fees
Real Estate Loans Late Payment (audience not stated, treated as personal)	4%	Not stated	None
Other Fees
Statement Copy (Quarterly/Monthly)	$3	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Inactive Membership (no activity within 12 months)$10
per month
Inactive Membership (no activity within 12 months)$10
per month
Paper Statement$3
per item
Paper Statement$3
per item
Return Mail$3
Not compared: Per-item charge, not monthly
per item
Return Statement$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft (OD)$32
Overdraft Advantage – Overdraft Fee$32
per item
Overdraft Advantage – Overdraft/NSF Fee$32
per item
Insufficient Funds (NSF) Fee$32
per item
Insufficient Funds (NSF) Fee$32
per item

ATM & Card

ATM Usage (Non-Piedmont Advantage ATM)$1
per item
Plastic Card Replacement (Debit)$20
per item
Plastic Card Replacement (Debit)$20
per item

Wire Transfers

Wire Transfer – Domestic$20
per item
Wire Transfer – International$35
per item

Check Services

Official Check with 3rd Party Payee$5
per item
Stop Payment$25
per item
Stop Payment 1$25
per item
Collection Item$10
per item
Foreign Check Fee$50
per item
Foreign Check Fee$50
per item
Check Copies$3
per item
Check Copies 1$3
per item

Digital & Electronic

Returned ACH Origination$32
per item

Account Services

Mortgage Subordination$100
Verification of Deposit (VOD)$10
Verification of Deposit (VOD)$10
per item

Lending Fees

Real Estate Loans Late Payment4%

Other Fees

Duplicate Statement Copy (Quarterly / Monthly)$3
per item
Statement Copy (Quarterly/Monthly)$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Inactive Membership (no activity within 12 months)	$10	per month	None
Inactive Membership (no activity within 12 months)	$10	per month	None
Paper Statement	$3	per item	None
Paper Statement	$3	per item	None
Return Mail	$3Not compared: Per-item charge, not monthly	per item	None
Return Statement	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft (OD)	$32	Not stated	None
Overdraft Advantage – Overdraft Fee	$32	per item	None
Overdraft Advantage – Overdraft/NSF Fee	$32	per item	None
Insufficient Funds (NSF) Fee	$32	per item	None
Insufficient Funds (NSF) Fee	$32	per item	None
ATM & Card
ATM Usage (Non-Piedmont Advantage ATM)	$1	per item	None
Plastic Card Replacement (Debit)	$20	per item	None
Plastic Card Replacement (Debit)	$20	per item	None
Wire Transfers
Wire Transfer – Domestic	$20	per item	None
Wire Transfer – International	$35	per item	None
Check Services
Official Check with 3rd Party Payee	$5	per item	None
Stop Payment	$25	per item	None
Stop Payment 1	$25	per item	None
Collection Item	$10	per item	None
Foreign Check Fee	$50	per item	None
Foreign Check Fee	$50	per item	None
Check Copies	$3	per item	None
Check Copies 1	$3	per item	None
Digital & Electronic
Returned ACH Origination	$32	per item	None
Account Services
Mortgage Subordination	$100	Not stated	None
Verification of Deposit (VOD)	$10	Not stated	None
Verification of Deposit (VOD)	$10	per item	None
Lending Fees
Real Estate Loans Late Payment	4%	Not stated	None
Other Fees
Duplicate Statement Copy (Quarterly / Monthly)	$3	per item	None
Statement Copy (Quarterly/Monthly)	$3	per item	None

Correct a fee source

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.