Fee Schedule

Standard, Premium and Rebate Checking Fees

Effective Nov 1, 2019
Description Fee
Monthly Service Charge (Standard, Premium and Rebate Checking) None
Below Minimum Monthly Balance Fee (Premium only) $10.00
Non-Sufficient Funds (NSF) Charge $35.00
NSF Daily Maximum $140.00
Stop Payment (per item) $10.00
Stop Payment of Series of Checks $20.00
Check Copy $2.00
Certified Share Draft $5.00
Cashier’s Check $5.00
Teller’s Check 2 free per day; each additional $5.00
Temporary Checks $0.20 Each Over 5
Account Balance Assistance and Account Research (per hour) $30.00
Special Handling Fee $25.00
Returned Deposit Item $30.00
Personal Checks (Standard) Per Catalog
Personal Checks (Premium & Rebate) Limited Free
OverDraft Advance (Courtesy Pay) Fee $35.00

Money Market Draft Fees

Effective Nov 1, 2019
Description Fee
Below Minimum Balance Fee (monthly) $10.00
Non-Sufficient Funds (NSF) Charge $30.00
Excessive Withdrawal Fee (in excess of six per month, each) $20.00
Stop Payment (per item) $10.00
Stop Payment of Series of Checks $20.00
Check Copy $2.00

ATM/Visa Check Card Service Fees

Effective Nov 1, 2019
Description Fee
Monthly Fee None
Withdraws First 10 per Month Free/$1.00 Each Additional
Deposits, Inquiries & Point-of-Sale Transactions FREE
Non-Sufficient Funds (NSF) Charge $35.00
Empty Envelope Deposit $35.00
Deposit Returned Unpaid $35.00
Deposit Adjustment $2.00
Replacement Cards (each additional card if more than one card is requested within six months) $5.00
Expedited replacement Cards Cost + $5.00
Debit Card Stop Pay $10.00 (per Merchant)

ACH/Electronic Service Fees

Effective Nov 1, 2019
Description Fee
Non-Sufficient Funds (NSF) Charge $35.00
Stop Payment $10.00
Incoming Wire Transfers None
Outgoing Wire Transfers - Domestic Only $20.00
Western Union - Domestic Only $20.00
Standard Checking Electronic Bill Payer 6 Free/$0.50 each additional
Premium and Rebate Checking Electronic Bill Payer 20 Free/$0.50 each additional
Stop Payment of Bill Payer Check $10.00
Merchant Returns on Electronic Bill Payer $5.00
OverDraft Advance (Courtesy Pay) Fee $35.00

Lending Fees

Effective Nov 1, 2019
Description Fee
Late Payment Fee - Consumer Loans (14 or more days) $30.00
Late Payment Fee - Real Estate Loans (14 or more days) 5% of payment or $30.00, whichever is greater
Skip a Month $20.00 for loans with monthly payment $75.00 and under; $40.00 per loan all others
Real Estate Loan Application Fee $25.00 to be returned at closing
Real Estate Loans All Applicable
Returned Check Charge $30.00

Visa Credit Card Fees

Effective Nov 1, 2019
Description Fee
Late Payment Fee (10 or more days) $20.00
Replacement Cards $5.00
Returned Check Charge $25.00

Other Fees

Effective Nov 1, 2019
Description Fee
Visa Gift Cards, each $2.00
Foreign Currency Service $8.00 Handling Fee plus Shipping Charge
Incorrect (Bad) Address Fee $5.00 after 2 months - per item
Monthly Mailed Statement Fee $1.00 per month
Notary None
Signature Guarantee None
Telephone Banking (ART) None
Online Banking None
Mobile Banking None

Inactive Account Fees

Effective Nov 1, 2019
Description Fee
After 1 Year $5.00 per month
Escheat Processing $50.00