Panhandle Federal Credit Union

Headquarters: Panama City, Florida
Charter: Credit Union
Assets: $367.9M
Fed district: Atlanta

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

Source: its fee schedule, read Oct 30, 2026.

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Fees against the market

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

Monthly Maintenance
Second Chance Checking
Can be waived with a balance of $250 or more.
Panhandle Federal Credit Union: $10
Panhandle Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Panhandle Federal Credit Union: $25
Panhandle Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Panhandle Federal Credit Union: $25
Panhandle Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 30, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta 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).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 Panhandle Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Second Chance Checking Account Service Charge$10
per month
Account Closure (within 6 months of opening)$25
Dormant Fee$5
per month
Account Reconciliation/Research$15
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation/Research $15.00 per hour
Invalid Address$5
per month

Overdraft & NSF

Courtesy Pay (audience not stated, treated as personal)$25
per item
Returned NSF – Insufficient Funds ACH/Draft/ATM/Check Card$25
per item

ATM & Card

Excessive ATM Transactions (out-of-network)$1
per item
Overnight Debit and Credit Card Order$42
per item

Wire Transfers

Wire Transfer (Outgoing Domestic)$20
per item
Wire Transfer (Incoming)$5
per item

Check Services

Official Check$3
per item
Official Check for Non-Member$15
per item
Money Order$2
per item
Stop Payment – Draft/ACH$20
per item
Temporary Checks$1
Check Cashing (if less than $100.00 in savings with no other account relationship)$10
per item
Copy of Paid Draft$5
per item

Digital & Electronic

ACH Origination$10
per item
ACH - Returned Origination$25
per item

Cash & Deposit

Deposited Item Returned – for loan payment or same maker$30
per item

Account Services

Notary/SIG Guarantee$1
Not compared: Charged per page; comparison unavailable
per page · Notary/SIG Guarantee $1.00 per page (excludes My Choice! Checking)
Safe Deposit Box 10 X 10 (audience not stated, treated as personal)$85
per year
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)$35
per year
Safe Deposit Box 3 X 5 (audience not stated, treated as personal)$20
per year
Safe Deposit Box 5 X 10 (audience not stated, treated as personal)$45
per year
Safe Deposit Box 5 X 5 (audience not stated, treated as personal)$30
per year
Levy and/or Garnishment Fee$50
per item
Legal Processing Fee$25
per item

Gift & Prepaid Cards

Gift Cards$5
per item

Other Fees

Fax Transmission$2
Not compared: Charged per page; comparison unavailable
per page · Fax Transmission $2.00 per page
Shared Branch Statement Copy$1
Not compared: Charged per page; comparison unavailable
per page · Shared Branch Statement Copy $1.00 per page
Statement Copy$1
Not compared: Charged per page; comparison unavailable
per page · Statement Copy $1.00 per page

Fee	Amount	Basis	Note
Account Maintenance
Second Chance Checking Account Service Charge	$10	per month	None
Account Closure (within 6 months of opening)	$25	Not stated	None
Dormant Fee	$5	per month	None
Account Reconciliation/Research	$15Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation/Research $15.00 per hour
Invalid Address	$5	per month	None
Overdraft & NSF
Courtesy Pay (audience not stated, treated as personal)	$25	per item	None
Returned NSF – Insufficient Funds ACH/Draft/ATM/Check Card	$25	per item	None
ATM & Card
Excessive ATM Transactions (out-of-network)	$1	per item	None
Overnight Debit and Credit Card Order	$42	per item	None
Wire Transfers
Wire Transfer (Outgoing Domestic)	$20	per item	None
Wire Transfer (Incoming)	$5	per item	None
Check Services
Official Check	$3	per item	None
Official Check for Non-Member	$15	per item	None
Money Order	$2	per item	None
Stop Payment – Draft/ACH	$20	per item	None
Temporary Checks	$1	Not stated	None
Check Cashing (if less than $100.00 in savings with no other account relationship)	$10	per item	None
Copy of Paid Draft	$5	per item	None
Digital & Electronic
ACH Origination	$10	per item	None
ACH - Returned Origination	$25	per item	None
Cash & Deposit
Deposited Item Returned – for loan payment or same maker	$30	per item	None
Account Services
Notary/SIG Guarantee	$1Not compared: Charged per page; comparison unavailable	per page	Notary/SIG Guarantee $1.00 per page (excludes My Choice! Checking)
Safe Deposit Box 10 X 10 (audience not stated, treated as personal)	$85	per year	None
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)	$35	per year	None
Safe Deposit Box 3 X 5 (audience not stated, treated as personal)	$20	per year	None
Safe Deposit Box 5 X 10 (audience not stated, treated as personal)	$45	per year	None
Safe Deposit Box 5 X 5 (audience not stated, treated as personal)	$30	per year	None
Levy and/or Garnishment Fee	$50	per item	None
Legal Processing Fee	$25	per item	None
Gift & Prepaid Cards
Gift Cards	$5	per item	None
Other Fees
Fax Transmission	$2Not compared: Charged per page; comparison unavailable	per page	Fax Transmission $2.00 per page
Shared Branch Statement Copy	$1Not compared: Charged per page; comparison unavailable	per page	Shared Branch Statement Copy $1.00 per page
Statement Copy	$1Not compared: Charged per page; comparison unavailable	per page	Statement Copy $1.00 per page

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

Correct a fee source

Oct 30, 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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