The PRAP charges 5.50 per quarter + your funds expense ratio. The PCRA charges 3.99 per trade but also has no transaction fee ETF's and index funds. If you open a separate checking account (free international ATM withdrawals) and a brokerage account they charge 4.95 per trade outside of our PCRA. It really is a pretty solid package all around. The expense ratios are also fairly competitive. Fidelity just announced some 0 fee ETFs which are a little bit of a gimmick but paying an expense ratio of .04 on whats available at schwab or vanguard is an absolute bargain for what you are getting. If schwab started gouging us they would watch our 6 billion UAL PRAP account go elsewhere.