Fee Schedules
Below please find the Credit Union’s fee schedules effective as of January 1, 2025.
| Product | Fee * |
|---|---|
| ACH stop payment | $30.00 per occurrence |
| Advance Pay/Pay Day Loan Annual Fee | $25.00 (charged annually on January 1) |
| Checking acct. monthly service fee | $5.00 if balance under $300.00 |
| Checking acct. – reconciliation | $25.00 per half hour |
| Check copies | $5.00 per copy |
| Check stop payment order | $15.00 per member share draft or money order $30.00 per credit union issued check |
| Counter checks | $2.00 per check |
| Interim statement – acct. activity | $3.00 per page |
| Member account number errors for ACH & EFT transfers | $35.00 per occurrence |
| Member personal fax request (in state) | $1.00 1st page $0.25 each additional page |
| Member personal fax request (out of state) | $2.00 1st page $0.50 each additional page |
| Negative Account Balance Fee | $1.00 per day |
| NSF member sharedraft fee | $35.00 |
| NSF 3rd party check | $35.00 |
| Non member check cashing | $10.00 per check |
| Notary service | No charge |
| Online Visa Account Access | Free |
| Overdraft transfer | $5.00 per transfer from member share account or from member overdraft line of credit |
| Payment Investigation Fee for Virtual Branch Bill Payment | $45.00 per payment |
| Redeposit of NSF item | $35.00 |
| Processing an IRS & State Tax Levy | $50.00 per levy |
| Replacement cards for Visa debit & credit card lost | 1st occurrence - no charge 2nd occurrence - $25.00 3rd occurrence - $35.00 (in a 24-month period) |
| 3″ x 5″ Safe Deposit Box | $20.00 per year |
| 3″ x 10″ Safe Deposit Box | $30.00 per year |
| 5″ x 5″ Safe Deposit Box | $25.00 per year |
| 5″ x 10″ Safe Deposit Box | $50.00 per year |
| 10″ x 10″ Safe Deposit Box | $100.00 per year |
| Share – excess 6 withdrawals per mos. | $5.00 for each extra after 6 within a 30 day month |
| Skip A Pay | $25.00 per loan |
| Visa & Loan late payment | $30.00 per occurrence |
| Visa returned payment check | $35.00 per occurrence |
| Wire transfer | $30.00 for domestic |
* Rates subject to change daily
New Online Banking Security Feature Coming Soon
All current users will be required to select new challenge questions/answers beginning on 5/14/26, and set up phone numbers that will be able to receive one-time passcodes (OTP) for each login going forward. Please make sure that the phone numbers currently listed for your online account are correct. If you have any questions regarding these changes, please contact Provident FCU at 302-734-1133.
How does the new security feature work?
When logging into online banking on your computer, you will receive a message (text or voice) on your phone with a 6-digit code. You will be asked to enter this code to complete the login process on your computer. This feature takes place of answering security questions when logging into online banking. This feature is also available in the mobile app.