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 | $35.00 |
| 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 | $35.00 |
| 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 |
| 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) | $25.00 |
| Replacement Cards | $5.00 |
| Returned Check Charge | $25.00 |
Inactive Account Fees
Effective Nov 1, 2019| Description | Fee |
|---|---|
| After 1 Year | $5.00 Per Month |
| Escheat Processing | $50.00 |
Other Fees
Effective Nov 1, 2019| Description | Fee |
|---|---|
| Visa Gift Cards, each | $2.00, each |
| 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 |
