Penn Community Bank Fee Passes are fee refunds that may apply to the following fees: replacement card, overdraft, electronic funds transfer returned, bill payment insufficient, overdraft protection, printed statements, money order, bank check, and stop payment. A total of 3 Penn Community Bank Fee Passes per account (not account holder) over the life of the account. Penn Community Bank Fee Passes nontransferable and no cash alternative.
 Includes non-Penn Community Bank ATM withdrawals assessed by Penn Community Bank, it does not include surcharges imposed from other financial institutions or third-party vendors.
 Surcharge reimbursement of non-Penn Community Bank ATM owner/operators fee.