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Schedule of Fees

Savings

Regular Savings $5 Minimum Balance, (if dormant for 2 or more years, $5 will be charged per month)
Deposited Checks Returned $25.00 per check
IRA $0.01 Minimum Balance. No Service Fee.
Savings Certificates $1000.00 Minimum Balance, No Service Fee
Trust Accounts $5.00 Minimum Balance. No Service Fee.

Checking

Checking Accounts No minimum opening deposit required unless checks are ordered. If checks are ordered, the minimum opening deposit would be the cost of the check order. No Monthly Service Fee. No Monthly Minimum.

Online Services

Home Banking Free
Bill Payment Free
E-Statements Free

Other Checking Account Fees

Copy of Checks $3.00 per check
Non-Sufficient Funds (NSF) Transfer $3.00 per check (If a check is returned as a NSF, other fees may be incurred from the merchant or payee’s financial institution.)
Checks Returned or Paid Against $30.00 per check
Non-Sufficient Funds (NSF) $30.00 per item (If a check is returned as a NSF, other fees may be incurred from the merchant or payee’s financial institution.)
Stop Payment Order $30.00 per check
Statement Reconciliation $25.00 per hour
Deposited Checks Returned $25.00 per check
Check Printing Dependent on the style of check ordered
Check Cashing- Members Free
Temporary Checks $2 per sheet of 4 checks (available in Waipio only)

PHFCU Checks

Official Checks 1 free per day; $5 each thereafter
Official Checks- Classic Club 2 free per day; $5 each thereafter

Coin Deposits

Rolls 5 rolls of coins per day are free and thereafter $0.25 per roll
Coin Machine-Member Fee for the first $100.00 is waived, thereafter is 10%
Coin Machine- Non-Member 10%

Other Services

Traveler's Cheques No Fee
Money Orders 1 free per day, $2 each thereafter ($1000 maximum per).
Money Orders- Classic Club 2 free per day, $2 each thereafter ($1000 maximum per).
Direct Deposit/Allotments No Fee

Automated Teller Machine (ATM)

ATM or PHFCU Debit MasterCard First 5 ATM transactions per month are free. Thereafter, $1.00 for withdrawals and/or denials and $1.00 for transfers and/or balance inquiries. No purchase fee.
Non-Network Transactions $1.00
Withdrawals from ATM’s which result in an overdrawn condition $30.00 per withdrawal

Wire Transfers of Funds

Incoming Domestic Free
Outgoing Domestic $30.00
Incoming Foreign Free
Outgoing Foreign $70.00
Classic Club
Incoming Domestic Free
Outgoing Domestic $20.00
Incoming Foreign Free
Outgoing Foreign $60.00

Request for Statement of Account History

Account History $3.00 per page
Statement- Microfilm Copy $3.00 per page
Statement- CD $25.00
Statement- CD with e-statements $15.00

Electric Funds Transfer/ACH

Non-Sufficient Funds Transfer (Item Paid) $3.00 per item (If a check is returned as a NSF, other fees may be incurred from the merchant or payee’s financial institution.)
Non-Sufficient Funds (Item Paid) $30.00 per item (If a check is returned as a NSF, other fees may be incurred from the merchant or payee’s financial institution.)
Stop Payment Order $30.00 per item
Overdraft Privilege $30.00 per item

Notary (Legal Limit)

Jurat/Oath
1st Copy & 4 Duplicates $5.00
Additional Duplicates $2.50
Acknowledgement
1st Copy & 1 Duplicate $5.00
Additional Duplicates $2.50

Legal and Other Services

Account Reconciliation per hour $25.00
Account Research per hour $25.00
Services of Legal Process $50.00
Backup Withholding $50.00
Garnishment $50.00
Levy $50.00
Bad Address Locator Fee $5.00 per incident

Emergency Services

Stop Payment Order on Credit Union Check (Lost or stolen checks only) $30.00 per stop
Replacement (lost) ATM/Debit Card $10.00 per card

Abandoned Accounts

Special Handling of Abandoned Accounts $30.00 each
Closing an Account that has been open for less than 6 Months $30.00

Safe Deposit Boxes

3x10 Annual Rental Fee $50.00 
5x10 Annual Rental Fee $75.00
Key Deposit $10.00
Lost Key (Change Lock) $150.00
Forced Entry $150.00
Annual Safekeeping Fee (storage of contents after a box has been forced open due to nonpayment of annual fees) $20.00
Late Rental Payment Fee (over 30 days overdue) $20.00

*Rates may vary based on account balance. Fees and rates are subject to change.