Effective as of January 1, 2026
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Non-Sufficient Funds Item	(whether presented in-person, electronically, or otherwise)
– Per item paid	$30.00, $150.00 daily maximum
– Per item returned unpaid, and each time represented	$30.00, $150.00 daily maximum
Daily Fee for Negative Balance Account (Overdraft Charge)	$5.00 per day after 3 business days
Returned Deposit Item Fee	$5.00 per occurrence
Stop Payment / Revocation/ Renewal (including ACH, per item)	$25.00
Checking Account Inactivity Account Fee (inactive account for more than 90 days)	$10.00 per month
Savings Account Inactivity Account Fee (inactive account for more than 365 days)	$10.00 per month
Savings Account Overdraft Transfer	$15.00 setup, $3.00 per transfer
Any Account closed within 90 days of opening	$20.00
Legal Process which affect your account (i.e., Garnishments, Levy, Citations, or other)	$90.00
– After the First Hour	$30.00
IRA/HSA Transfer and/or Closing Fee	$50.00
Account Research & Reconciliation	$30.00 per hour, $30.00 minimum
Account Balancing Assistance	$30.00 per hour, $30.00 minimum
Amortization Schedule	$20.00
Loan Coupon Book (replacement)	$15.00
Ready Reserve Account	Annual Fee $15.00, $3.00 per transfer
Notary Service (non-customers)	$3.00
Prepaid Spending Cards	$5.00
Cashier Checks	Customers: $5.00, Non-customers: $10.00
Coin Counting (non-customers)	10%, minimum $5.00
Wire Transfer Fee	Incoming $12.00
– Incoming (International)	$30.00 plus external charges
– Outgoing (Domestic)	$30.00
– Outgoing (International)	$60.00 plus external charges
Debit Card Replacement Fee	$15.00
Instant Issue Debit Card Fees
– For a New Account	$10.00
– For a Lost Card	$25.00
ACH Transfers	Setup $15.00, $5.00 each transfer
ATM Fee Charge (not our ATM)	No Charge
Online Banking Re-Enrollment Fee after 90 days	$10.00
ACH Non-Post Handling Charge	$10.00 per item
Collection Items (including Foreign Items)	$20.00 plus external bank charges
Check Copy	$2.00
Activity Printout of Account	$2.00
Returned / Forwarded Mail with Address Correction	$5.00 per item
License Renewal Sticker	$7.50
Telephone Transfer	$2.00
Temporary Checks	$5.00 per 10 checks
Cost of printing checks varies depending on the style of checks ordered.
Photocopies	$0.35
Fax Fees	First Page $3.00, each additional page $1.00
Safety Deposit Boxes	See Rate Schedule
– Drilling Fee	$200.00
– Rekeying Fee	$75.00
– Lost Key Fee	$40.00
Verification of Deposit	$10.00
Audit Confirmation	$20.00