General Fees & Services
Effective as of January 1, 2026
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Checking Account Inactivity Account Fee (inactive account for more than 90 days)
$10.00 per month
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
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
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$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
Cost of printing checks varies depending on the style of checks ordered.
$5.00 per 10 checks
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
