FEES & DISCLOSURES
Bank and Borrow With Confidence
Fee Schedule (Effective 7/1/2025)
| Checks and Payments (Per-Item Fee) | |
|---|---|
| ACH (NSF/returned check)1 | $18.00 |
| ACH (returned origination request) | $15.00 |
| Courtesy Overdraft with a Fee1 2 | $18.00/$7.00 |
| Returned Share Drafts (NSF)1 | $18.00 |
| Returned Loan Payment3 | $15.00 |
| ACH Stop Payment | $15.00 |
| Draft Stop Payment | $15.00 |
| Visa Debit Card (2nd card) | $5.00 |
| Visa Debit Card Reorder | $5.00 |
| Expedited Delivery of Card | $21.00 |
| Expedited Delivery of PIN | $21.00 |
| Book of Checks | Prices vary by style |
| Loan Payment Made by Credit Card | $10.00 |
| Safe Deposit Box | |
|---|---|
| 3 x 5 | $25.00 annually |
| 5 x 5 | $35.00 annually |
| 3 x 10 | $40.00 annually |
| 5 x 10 | $60.00 annually |
| 10 x 10 | $100.00 annually |
| Inventory Fee | $30.00 per hour |
| Key Replacement | $25.00 |
| Drilling Fee | $170.00 |
| Research | |
|---|---|
| Account Reconciliation Fee | $30.00 per hour |
| Copy of Member Checks which have cleared | $3.00 |
| Statement Copy | $3.00 |
| Consult Your Loan Documents for Details | |
|---|---|
| Miscellaneous Fees3 | |
|---|---|
| Cashier's & Certified Checks | $2.00 |
| Medallion Signature Guarantee | $10.00 per document |
| Visa Transaction Fee for International Purchases | 1% |
| Domestic Wire Transfer | $30.00 |
| Any Incoming Wire Transfer | No Charge |
| Dormant Account Fee | $20.00 |
| Escheatment Fee | $100.00 |
| Notary Public Service Fee (for non-PFFCU related documents only) | $10.00 per document |
| Writ of Execution Processing Fee | $100.00 |
| IRS Levy Processing Fee | $100.00 |
| Child Support Order Processing Fee | $100.00 |
| State Tax Lien Processing Fee | $100.00 |
| Account Closure/Balance Verification (applicable to decedent Accounts) | $100.00 |
| Business Account Fees | |
|---|---|
| Sole Proprietor/Corporation Account Service Fee | $10.00 per month |
| Per Check Charges (for over 100 checks per month) | $0.25 |
| Per Transaction Charges (for over 999 per month) | $1.00 |
| Return Check Deposit | $15.00 |
| Transaction-Related Fees | |
|---|---|
| Premium Yield Withdrawal Fee4 | $10.00 |
| ATM Fee5 | $1.00 |
| Certificate Early Withdrawal Fees | |
|---|---|
| 3-month | Forfeiture of all dividends |
| 6-month | Forfeiture of 90 days dividends |
| 9 to 24 months | Forfeiture of 180 days dividends |
| 30 to 60 months | Forfeiture of 360 days dividends |
| Non-Member Fees | |
|---|---|
| Check Cashing Fee | $20 |
| Coin Counting Fee | $20 |
| Visa Cash Advance Fee | $20 |
Disclosures, Agreements, and Notices
These Agreements and Disclosures are for Share Accounts, Share Draft Accounts, Certificate Accounts, and include Electronic Services Agreement and Disclosure, Funds Availability Policy, Wire Transfer Agreement, and Privacy Policy Disclosure. Click Agreements and Disclosures to view or print the PDF.
Anything you see, hear, read, or download from this website is made available to you in the spirit of sharing with members of the Police and Fire Federal Credit Union and potential members of PFFCU. We continually work hard to ensure that all the information contained in the website is current, accurate, and usable. This information should be construed only as a guideline. PFFCU is not responsible for errors contained in this website including, but not limited to, rate information. Notwithstanding any information that may be contained in the website, PFFCU policies, procedures, and actual rates approved by the Board of Directors are in effect. All PFFCU information, including, but not limited to, rates, yields, offers, and information contained in this website, is subject to change, at any time, without notice.
Before relying on, or using any information contained in, the PFFCU website that you feel may be questionable, you should email memberservice@pffcu.org or call at 215-931-0300 or 800-228-8801, to ask for additional information.
All software or other services that we provide directly for use, or that is created by third parties under contract with PFFCU and is provided on our site, is offered subject to the terms, conditions, warranties, and disclaimers listed above. Additionally, all services, products, and information are provided “as is.”
All links or other connections to other websites, or mention or reference to other websites, or mention or reference to other companies, is solely for informational purposes to PFFCU members, and should not be construed as an endorsement of relationship other than what is plainly stated where such connection is made. If PFFCU provides a link or connection to third-party websites, it does not take responsibility for the content of the third-party websites. PFFCU does not represent either the third party or you, the member, if you enter into a transaction with the third party. Privacy and security policies of third parties may differ from those of PFFCU.
In this notice, we are required to advise you of our disclosure policy under the Fair Credit Reporting Act. The Fair Credit Reporting Act governs the sharing of information that may impact upon you for certain purposes, such as credit collections and insurance. We learn information about you from our experience with you and from information provided by others, such as through credit reports. The Fair Credit Reporting Act permits us to share information we learn from our experience with you with others, including credit reporting agencies. We may also share information provided by others unless you direct us otherwise. If we elect to share information about you provided by others for a purpose under the Fair Credit Reporting Act, we will give you a separate notice of our intention to do so and the right to direct us not to share the information.
If you have any questions regarding the Credit Union’s Privacy Statement, please do not hesitate to contact us.
UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:
Deny a loan for the purpose of purchasing construction, improving, repairing, or maintaining a dwelling, or deny any loan secured by a dwelling; or
Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington, DC 20410
For processing under the Federal Fair Housing Act, send to:
National Credit Union Administration
Office of Examination and Insurance
1775 Duke St.
Alexandria, VA 22314-3428
UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMATE IN ANY CREDIT TRANSACTION:
On the basis of race, color, national origin, religion, sex, marital status, or age,
Because income is from public assistance, or
Because a right was exercised under the Consumer Credit Protection Act.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMNATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
National Credit Union Administration
Office of Examination and Insurance
775 Duke St.
Alexandria, VA 22314-3428
The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; race, gender, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at any Branch office regarding the locations where HMDA data may be inspected.
If you are a California resident, please refer to our California Consumer Privacy Notice for additional information about your rights under the California Consumer Privacy Act of 2018.
Federal, state, and local governments have programs to assist small businesses. These include Small Business Administration (SBA) grants or loans. PFFCU provides members with consumer products and services and does not support business accounts or assist in applying for business loans, grants, or other assistance. If you have a business that receives government assistance, you should deposit the proceeds in the financial institution where the business account is held. PFFCU does not permit business funds or activity to be run through your PFFCU personal account. PFFCU will return any applicable business funds received into your personal account. PFFCU is not opening new business accounts.
View our Online/Mobile Banking Agreement here.
View our Account Change form here.
Transaction Authorization Code (TAC) is an optional security feature. Adding a TAC to your account means that whenever you or a joint owner (if any) on your account transact with PFFCU by phone, by mail, or in person, the TAC must be provided (along with any other requested identification information). You may add a general Transaction Authorization Code (TAC) to your account by completing and submitting a TAC form.
For your convenience, we have included this form online. We require two forms of identification, and one form must be a valid driver’s license, non-driver’s identification, police, fire or military identification, or passport. In the alternative, a signature may be notarized. You may bring this form to any of our Branches or send it in by mail. Please mail all TAC forms to:
PFFCU
4 Greenwood Square Office Park
3325 Street Road, Bensalem, PA 19020
Attention: Admin Services.
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