16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
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.
Bring fees, filings and market context together.
Amounts from Pen Air Federal Credit Union’s own schedules, with a source for each figure.
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Money Market (if average balance below $2,500) | $10 | per month | None |
| Early Account Closure (within 120 days of opening) | $5 | Not stated | None |
| Monthly Inactive Account (no monetary activity for 12 months on savings or checking account) | $15 | per month | None |
Overdraft & NSF | |||
| Courtesy Pay/CRTSY PAY (up to 4 per day) | $29 | Not stated | None |
| Non-Sufficient Funds (NSF) Items (up to 4 per day) | $29 | Not stated | None |
ATM & Card | |||
| Debit Card Reissue (in excess of 2 in 12 months not due to fraud) | $10 | Not stated | None |
| Rush Card Replacement | $25 | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wire Transfer (audience not stated, treated as personal) | $25 | Not stated | None |
Check Services | |||
| Cashier Checks | $3 | Not stated | None |
| Stop Payments | $29 | Not stated | None |
| Non-Member Check Cashing | $5 | Not stated | None |
| Collection Items Returned (per presentment) | $29 | per item | None |
Digital & Electronic | |||
| Drafts/ACH/Debit Card Collection Items Returned (per presentment) | $29 | per item | None |
| Expedited Bill Pay Payment (audience not stated, treated as personal) | $25 | Not stated | None |
Cash & Deposit | |||
| Cash Advance (audience not stated, treated as personal) | 3%of the advance ($5 minimum) | Not stated | None |
Account Services | |||
| Box Drilling (audience not stated, treated as personal) | $175Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement (audience not stated, treated as personal) | $15Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $99 | per year | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $45 | per year | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $29 | per year | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $60 | per year | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $39 | per year | None |
Other Fees | |||
| Skip-A-Payment | $25 | 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 item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Money Market (if average balance below $2,500) | $10 | per month | None |
| Early Account Closure (within 120 days of opening) | $5 | Not stated | None |
| Monthly Inactive Account (no monetary activity for 12 months on savings or checking account) | $15 | per month | None |
Overdraft & NSF | |||
| Courtesy Pay/CRTSY PAY (up to 4 per day) | $29 | Not stated | None |
| Non-Sufficient Funds (NSF) Items (up to 4 per day) | $29 | Not stated | None |
ATM & Card | |||
| Debit Card Reissue (in excess of 2 in 12 months not due to fraud) | $10 | Not stated | None |
| Rush Card Replacement | $25 | Not stated | None |
Check Services | |||
| Cashier Checks | $3 | Not stated | None |
| Stop Payments | $29 | Not stated | None |
| Non-Member Check Cashing | $5 | Not stated | None |
Digital & Electronic | |||
| Drafts/ACH/Debit Card Collection Items Returned (per presentment) | $29 | per item | None |
Cash & Deposit | |||
| Coin Counting (% of Balance Counted) Business Members 10% Non-Members 20% Escheatment | $75 | Not stated | None |
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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