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2018 Fee Schedule

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.

Checking Services
Fee Type Charge
Regular Checking (Avoid this fee by maintaining the daily minimum balance of $200 in combined deposits or if you have a loan/credit card relationship.) $5.00/mo
Park Plus Checking (Charged if balance falls below $1,000 min.) $10.00/mo
eChecking (Charged if monthly requirements of a direct deposit and eStatements are not met.) $5.00/mo
Freedom Checking (Charged if monthly requirement of $400 payroll deduction or direct deposit is not met.) $5.00/mo
Fresh Start Checking I (Maintenance fee.) $12.00/mo
Fresh Start Checking II (Maintenance fee.) $15.00/mo
Next Step Checking (Maintenance fee.) $9.00/mo
Copy of Check $5.00
Stop Payment Fee $32.00
NSF Items (Includes returned checks, pre-authorized debits/ACH originations & ATM/Debit card overdrafts.) $32.00/each
Courtesy Overdraft Fee (Per item paid.) $32.00
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.) $4.00/day
Temporary Checks (8 checks.) $3.00
Savings Program
Fee Type Charge
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.) $5.00
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.) $5.00
Closed Account Fee (If account is closed within 6 months of opening.) $10.00
Holiday Savings Early Withdrawal (Waived from first business day in October – January 31.) $8.00
Share Certificate Early Withdrawal Penalty Fee (Charged to members who withdrawal a share certificate prior to the scheduled maturity date for share certificates opened after January 1, 2016 or renewed after June 5, 2017. 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 Program
Fee Type Charge
Below Minimum Withdrawal Fee (Applies to withdrawals less than $250.) $10.00/occurrence
Over Transaction Limit (Applies to withdrawals in excess of 6 preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per month or statement cycle.) $10.00/occurrence

HSA Card Replacement Fee Standard Shipping (7-10+ business days)FREE

ATM/Debit/HSA Fees & Charges
Fee Type Charge
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)
ATM Card Monthly Fee (With Checking relationship.) $1.00
ATM Card Monthly Fee (With Savings relationship only.) $6.00
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
Kosair Charity Card Donation (Replacement cards require another $5 donation) $5.00 per card
Humane Society Charity Card Donation (Replacement cards require another $5 donation) $5.00 per card
International Transaction Fee (Fee will be based on transaction amount.)
Miscellaneous Fees
Fee Type Charge
Convenience Payment (Via telephone) $10.00
Lost Safe Deposit Box Key Drilling Fee $125.00
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.) $7.00/mo.
Cashiers Check Fee – Member $5.00
Cashiers Check Fee – Non Member $9.00
Research/Reconciliation (By appointment only.) $15.00/hour
Returned Foreign Deposit (Items drawn outside the United States.) $32.00
Foreign Deposit (deposits from outside the United States.) $12.00
Returned Deposit Fee Drawn on Member’s acct at another F.I.
Drawn on third party’s account
Returned Mail Fee $10.00
Shared Branch Excessive Withdrawals (or cash back)
(First 4 withdrawals (or cash back) per month are free.)
(Not available on all loan products.)
$25.00/per skip
Overnight Delivery Fee $17.50
Money Order Fee $2.50
Statement Copy $5.00
Wire Transfer – Incoming $10.00
Wire Transfer – Outgoing $20.00
Wire Transfer – International $40.00

Effective Date: May 7, 2018

*Requires signature.


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