Everything you need to know about how to avoid fees for our products and services.

We provide full disclosures about all our offerings so you know exactly how they work. As a not-for-profit credit union, we're successfully eliminate or reduce many of the fees you pay at other financial institutions. Still, there are times when we must charge a nominal fee to cover the cost of a service, but we never charge more. We care about your financial wellness, so we've provided you with tips on how to avoid the fees. Read through our Membership Disclosures and view our fee schedule for full details.

Fees Schedules - Effective 11/02/2018

Account Opening & Usage - Checking & Savings 

Type Fee How to avoid the fee
Early Account Closure (within 60 days of opening) $10 Keep your account open.
Inactive Membership (no activity within 12 months) $7/month Use your Piedmont Advantage debit or credit card for all your purchases, or by making at least one purchase, deposit, withdrawal or transfer each year.
Low Balance Fee $2/month Maintain a $100 aggregate balance with your deposit and loan balances.
Return Mail $3/item Update your address. Call us today!
Return Statement $3/item Update your address. Call us today!
Duplicate Statement Copy (Quarterly/Monthly) $3 each Sign up for eStatements. You can access your statements from anywhere, anytime on any device.
Verification of Deposit (VOD) $10/per
ATM Usage (ATMs not owned by Piedmont Advantage) $1 each (First five transactions are free.) Use your check card to make "cash back" purchases or using Piedmont Advantage ATMs.
Plastic Card Replacement (VISA® Debit) $20/card
Returned Third Party Check $12/item

Account Opening & Usage - Checking Only

Type Fee How to avoid the fee
VISA International Debit Card Usage There are never additional fees for using your Piedmont Advantage VISA outside of the United States. It's already free!
CD of Canceled Checks $15/CD Use Bill Pay.
Copies of Checks $3 each Use Bill Pay.
Check Orders Varies by Style Use Bill Pay.
Stop Payment $25/request
Member's Returned Item for Insufficient Funds (NSF) $32/item Set up Overdraft Protection from another Piedmont Advantage account.

Overdraft Protection Options

Type Fee How to avoid the fee
Overdraft Advantage $32/transfer Use Advantage Access Online Banking or Mobile App, PACUTel, an ATM, or call our call center to transfer funds.
Overdraft Protection from a share account $3/transfer Use Advantage Access Online Banking or Mobile App, PACUTel, an ATM, or call our call center to transfer funds.

Transfers

Type Fee How to avoid the fee
Share Transfer by Phone $2/transfer Use Advantage Access Online Banking or Mobile App, PACUTel, an ATM, or call our call center to transfer funds.
Wire Transfer - Domestic $20/transfer
Wire Transfer - International $35/transfer

Credit Union Services

Type Fee How to avoid the fee
Holiday or Vacation Club Early Withdrawal $20/withdraw Wait for specified distribution date to receive funds for less stressful holiday shopping and a vacation full of fun!
Collection Item $10/item
Gift Cards $2/card
Late Loan Payment (Consumer) 4% of regularly scheduled payment amount Make all payments on time. This will also help you to maintain your good credit score or build credit if needed.
Legal Processes (Escheats) $100/item Contact our call center.
Money Orders $3/item
Official Check with 3rd Party Payee $5/check
Overnight UPS Paperwork/Check Delivery (next business day) $15/transaction
Overnight UPS Paperwork/Check Delivery (Saturday delivery) $30/transaction
Overnight UPS Paperwork/Check Delivery (A.M. delivery) $45/transaction
Pay by Phone $12/request Use online banking or PACUTel
Real Estate Loans Late Payment 4% of regularly scheduled payment amount Make all payments on time.
Research $20/hour
Mortgage Subordination $100

VISA® Account

Type Fee How to avoid the fee
VISA® Late Payment $25
VISA® NSF for Payment $20
VISA® Transaction Copy $25

Piedmont Advantage Credit Union in North Carolina offers valuable banking solutions including checking accountssavings accountsmortgagesauto loansCDsIRAs and more. Bank online, with our mobile app, or visit one of our conveniently located branches in Winston-SalemEdenMooresvilleCharlotteGreensboroWilmington and Kenansville, NC.

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