Peach State Federal Credit Union Fees

Peach State Federal Credit Union believes in transparency. The following fees may be assessed against your account and the following transaction limits, if any, applied to your account. Questions? Please feel free to contact us.

Membership Fees

Fee Type
Fee Description
Fee Amount
Fee Type
Membership
Fee Description
Membership Fee (one-time non-refundable fee)
Fee Amount
$5.00
Fee Type
Fee Description
USA Patriot Act Recovery Fee (one-time non-refundable new member fee)
Fee Amount
$5.00
Effective May 5, 2025

Checking Fees

Fee Type
Fee Description
Fee Amount
Fee Type
Checking1
Fee Description
Basic, CU60 and eXtreme
Fee Amount
FREE
Fee Type
Fee Description
Fresh Start (monthly)
Fee Amount
$9.00
Fee Type
Fee Description
Premium (daily balance below $1,000)
Fee Amount
$5.00

Business Checking Fees

Fee Type
Fee Description
Fee Amount
Fee Type
Business Checking
Fee Description
Business Select
Fee Amount
No monthly fee
Fee Type
Fee Description
Business Advantage (monthly fee)
Fee Amount
$12.50

Savings Fees

Fee Type
Fee Description
Fee Amount
Fee Type
Savings
Fee Description
Savings Excessive Withdrawal per transaction (over 2 withdrawals per month)
Fee Amount
$5.00
Fee Type
Fee Description
Minimum Balance (below $5 per month)
Fee Amount
$5.00 or remaining balance

Money Market Fees

Fee Type
Fee Description
Fee Amount
Fee Type
Money Market
Fee Description
Minimum Daily Balance (below $2,500)
Fee Amount
$10.00
Fee Type
Fee Description
Money Market Excessive Withdrawal/Transfer – Per Transaction (over 6 per month)
Fee Amount
$10.00

ATM/Debit Card Fees

Fee Type
Fee Description
Fee Amount
Fee Type
ATM/Debit Cards
Fee Description
(per transaction)
Fee Amount
Fee Type
Fee Description
Balance Inquiry
Fee Amount
$0.50
Fee Type
Fee Description
Peach State ATM
Fee Amount
FREE
Fee Type
Fee Description
Other ATMs (monthly)
Fee Amount
6 FREE
Fee Type
Fee Description
Each Additional Transaction
Fee Amount
$1.00
Fee Type
Fee Description
Point of Sale
Fee Amount
FREE
Fee Type
Fee Description
Visa Debit Card International Service Assessment Fee
Fee Amount
1% of Amount
Fee Type
Fee Description
Replacement Card
Fee Amount
$10.00

Effective Date: 06.01.2025
Subject to change.
1 Electronic statements: free | Paper statements: $4
2 These fees are per occurrence, and we will exclude all items sent as repeat presentments from the merchant.
3 Fee applies when overdraft is created by check, ACH debit, ATM withdrawal, check card withdrawal, or other electronic means.
4 The Credit Union will typically cover your overdrafts with the requirement of overdraft amounts being paid back within 45 days of the account balance going negative; however, it is at our discretion whether we pay an item or not. Items that can affect your overdraft privileges are delinquent loan payment history on credit union loans, amount the account is already overdrawn, number of days the account has been overdrawn, and removal of overdraft services (either by us or by you).

Miscellaneous Fees

Fee Type
Fee Description
Fee Amount
Fee Type
Miscellaneous
Fee Description
Account History - Print Out
Fee Amount
$5.00
Fee Type
Fee Description
Account Research (per hour $15.00 minimum)
Fee Amount
$25.00
Fee Type
Fee Description
ACH Same Day Processing Fee
Fee Amount
$3.00
Fee Type
Fee Description
Automatic Overdraft Transfer Fee
Fee Amount
$5.00
Fee Type
Fee Description
Bill Pay/Bill Pay Plus (free with eStatements)
Fee Amount
$5.95
Fee Type
Fee Description
Closed Savings Account (within one year of opening)
Fee Amount
$5.00
Fee Type
Fee Description
Cashier’s Checks
Fee Amount
$7.50
Fee Type
Fee Description
Check Printing
Fee Amount
Prices Vary
Fee Type
Fee Description
Coin Machine
Fee Amount
4% of Amount
Fee Type
Fee Description
Copy of Check
Fee Amount
$2.00
Fee Type
Fee Description
Copy of Check: Archived (over 12 months/1-3 items)
Fee Amount
$5.00
Fee Type
Fee Description
Copy of Check: Archived (over 12 months/over 3 items)
Fee Amount
See Acct. Research
Fee Type
Fee Description
Copy of Statement
Fee Amount
$5.00
Fee Type
Fee Description
Inactive Account Maintenance (after 1 year inactivity for Savings and/or 6 months for Checking; excludes Money Market)
Fee Amount
$5.00
Fee Type
Fee Description
Mailed Monthly OR Quarterly Statement Fee
Fee Amount
$4.00
Fee Type
Fee Description
Overdraft: NSF (insufficient funds)2, 4
Fee Amount
$35.00
Fee Type
Fee Description
Overdraft: Courtesy Pay2, 3, 4
Fee Amount
$35.00
Fee Type
Fee Description
Returned Deposited Item: Drawn from your personal account at another financial institution
Fee Amount
$35.00
Fee Type
Fee Description
Returned Mail
Fee Amount
$5.00
Fee Type
Fee Description
Safe Deposit Box (only available at select branches)
Fee Amount
$25-$100
Fee Type
Fee Description
Shared Branching Service Centers
Fee Amount
$2.00
Fee Type
Fee Description
Signature Guarantee
Fee Amount
$25.00
Fee Type
Fee Description
Skip-A-Payment
Fee Amount
$25.00
Fee Type
Fee Description
Stop Payment
Fee Amount
$35.00
Fee Type
Fee Description
Verification of Deposit
Fee Amount
$25.00
Fee Type
Fee Description
Visa Gift Card
Fee Amount
$5.00
Fee Type
Fee Description
Wire Transfers: Outgoing Domestic
Fee Amount
$25.00
Fee Type
Fee Description
Wire Transfers: Outgoing Foreign
Fee Amount
$50.00
Fee Type
Fee Description
Wire Transfers: Incoming
Fee Amount
$10.00

Effective Date: 06.01.2025
Subject to change.
1 Electronic statements: free | Paper statements: $4
2 These fees are per occurrence, and we will exclude all items sent as repeat presentments from the merchant.
3 Fee applies when overdraft is created by check, ACH debit, ATM withdrawal, check card withdrawal, or other electronic means.
4 The Credit Union will typically cover your overdrafts with the requirement of overdraft amounts being paid back within 45 days of the account balance going negative; however, it is at our discretion whether we pay an item or not. Items that can affect your overdraft privileges are delinquent loan payment history on credit union loans, amount the account is already overdrawn, number of days the account has been overdrawn, and removal of overdraft services (either by us or by you).