Fees the non-profit way.

No one wants to hear about fees, but you’ll find that Park Community has some of the lowest fees around. You’ll also notice that many of these fees are avoidable by maintaining an account in good standing. You won’t find a better combination of service, rates, and resources anywhere. Everything you need to live your life your way is at Park Community

Fee schedules. Not that we want them.

We can't operate without them, unfortunately.
Checking Services
Regular Checking

Charged if minimum daily balance drops below $200 in combined deposits or if no loan/credit card relationship.


Fresh Start Checking I

Monthly maintenance fee.


Fresh Start Checking II

Monthly maintenance fee.


Next Step Checking

Monthly maintenance fee.


Copy of Check

Per item.


Stop Payment Fee

Per item.


NSF Items

Includes returned checks, pre-authorized debits/ACH originations & ATM/Debit card overdrafts.


Courtesy Overdraft Fee

Per item paid.


Excessive Overdraft Transfer Fee

Charged when money is transferred from savings to checking to cover an overdraft. Each month, the first 2 days used are free.


Temporary Checks

8 checks.


Savings Maintenance Fee

Charged to members with a savings account relationship only (includes Regular, Holiday, Vacation, and Additional Savings), a minimum combined daily balance below $200, and no other services with Park Community. Fee waived the first 6 months of membership, for members under 18 and over 65, and if you have a loan/credit card relationship or paid off a loan/closed a credit card within the last 6 months.


Check Cashing Fee–Savings relationship only

Charged if member has no Park Community loans or less than $200 in combined savings and certificates. Waived for ages under 18 and over 65.


Closed Account Fee

If account is closed within 6 months of opening.


Holiday Savings Early Withdrawal

Waived from first business day in October – January 31.


Share Certificate Early Withdrawal Penalty Fee

Charged to members who withdraw from a share certificate prior to the scheduled maturity date that was originally opened after January 1, 2016 or renewed after June 6, 2018. Please refer to your Truth-in-Savings Disclosure for early withdrawal penalties that apply to share certificates opened prior to January 1, 2016.

$25.00 plus 1/2 of dividends that would have been earned from the date of withdrawal to the maturity date

Money Market
Below Minimum Withdrawal Fee

Applies to withdrawals less than $250.


Over Transaction Limit

Applies to withdrawals in excess of 6 electronic withdrawals in a calendar month. Combination of transfers, ACH debits & a maximum of 3 checks. In person withdrawals or requests for checks to be mailed are not included in the maximum allowed.


ATM / Debit Card
ATM/Debit Card Replacement Fee

"Standard Shipping (7-10+ business days) Quick Ship to Park (Guaranteed 5 business days) Quick Ship to Member (Guaranteed 5 business days, requires singature)"

$5.00, $50.00, $60.00

ATM Card Monthly Fee

With Checking relationship.


ATM Card Monthly Fee

With Savings relationship only.


ATM/Debit Card Usage Fee

First 7 are free each mo. – includes Alliance One, Republic Bank, Money Pass, and Intercept transactions – does not include foreign ATM surcharge.

$1.00 per use

International Transaction Fee

Fee will be based on transaction amount.

No charge

Miscellaneous Fees
Convenience Payment

Via telephone


Lost Safe Deposit Box Key

Drilling Fee


Dormant Account Fee

Charged to members who have an inactive account relationship for 12 months and a combined daily balance below $1,000 (Excludes Share Certificate, Health Savings Accounts, IRA Certificates, IRA Savings, and Educational Savings Accounts). Fee waived for members under age 18.


Cashiers Check Fee – Member

Per item.

$5.00 each

Cashiers Check Conversion Fee – Non Member

Per item.

$9.00 each

Mailed Statement Fee

(Fee waived for members under the age of 18 and over the age of 65 or members with a Timeless checking account.)



By appointment only.


Returned Foreign Deposit

Items drawn outside the United States.

$32.00 each

Foreign Deposit

Deposits from outside the United States.


Returned Deposit Fee

"Drawn on Member’s acct at another financial institution. Drawn on third party’s account."

$32.00/item, $15.00/item

Returned Mail Fee

Per item.


Shared Branch Excessive Withdrawals

First 4 withdrawals (or cash back) per month are free.

$5.00 each


Not available on all loan products.

$25.00/per skip

Overnight Delivery Fee

Per item.


Statement Copy

Per item.

$5.00 each

Wire Transfer – Incoming

Per item.


Wire Transfer – Outgoing

Per item.


Wire Transfer – International

Per item.


HSA Fees & Charges

HSA Card Replacement Fee

Standard Shipping (7-10+ business days)