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 |
Member FDIC
Equal Housing Lender