COMMON FEATURES |
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May 13, 2024 |
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| The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account. | |
| Internet Banking | Free |
| Bill Pay (application required) | Free |
| Mobile Banking- a charge of .10¢ for each text in excess of 25 per month | |
| Mobile Check Deposit – A maximum of $2,500.00 each day. Holds may apply. Only one check can be deposit in each deposit and each check must be endorsed with your signature and “For Mobile Deposit Only” |
No Fee
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| Replace lost ATM card | $10.00 |
| ATM Interchange Fee (ATM cash withdrawal at ATM’s we do not own or operate |
$1.50 |
| ATM Interchange Fee (Transfer funds to another account at ATM’s we do not own or operate) | $1.00 |
| ATM Interchange Fee (Balance Inquiry at ATM’s we do not own or operate) | $1.00 |
| Check Printing | Fee depends on style ordered |
| Money Orders | $2.50 No fee for those age 55+ |
| Cashier’s Checks | $5.50 No fee for those age 55+ |
| Gift Cards | $3.00 |
| Personalized Savings Deposits/Withdrawal Slips | $7.00 |
| Dormant Account Fees: | |
| All types of Checking accounts are dormant if for one year no deposits or withdrawals are made by you, no communication is received about the account by you, no communication is received about any other of your accounts by you, or your account statements are returned for an incorrect address. Dormant Account Fee Per Month. This fee is charged each month but would be waived if the balance is $1,000.00 or more. |
$6.00 |
| All types of Savings accounts are dormant if for one year no deposits or withdrawals are made by you, no communication is received about the account by you, no communication is received about any other of your accounts by you, or your account statements are returned for an incorrect address. Dormant Account Fee Per Month. This fee is charged each statement cycle, but would be waived if the balance is $300.00 or more. |
$6.00 |
| Savings Accounts- withdrawal in excess of 10 per month | $0.50 |
| Overdraft- each overdraft paid | $30.00 |
| Overdraft (maximum charge per day) | $120.00 |
| Continuous overdraft after 10 business days | $35.00 |
| Nonsufficient funds (NSF) each | $30.00 |
| Nonsufficient funds (NSF) daily maximum | $120.00 |
| Overdraft privilege (AOD) each | $30.00 |
| Overdraft privilege (AOD) daily maximum | $120.00 |
| UCF (Uncollected Funds) (AOD) Paid Item Fee | $30.00 |
| UCF (Uncollected Funds) (AOD) Paid Item Fees daily maximum | $120.00 |
| UCF (Uncollected Funds) Paid Item Fee | $30.00 |
| UCF (Uncollected Funds) Paid Item fees daily maximum | $120.00 |
| UCF (Uncollected Funds) Return Item Fee | $30.00 |
| UCF (Uncollected Funds) Return Item Fees daily maximum | $120.00 |
| Automatic transfer from checking or savings to cover nonsufficient fund items (for exact amount of overdraft balance) |
$15.00 |
| The categories of transactions for which a overdraft fee may be imposed are those by any of the following means; check, in-person withdrawal, ATM withdrawal, or other electronic means. | |
| Notice Regarding Payment Order of Items: When processing checks and orders drawn on your account our policy is to pay them in numerical sequence. Lower numbered checks and orders are paid first. For electric transactions, our policy is to pay them in the order that they are received. | |
| Account Research per hour (after the first 15 minutes) | $30.00 |
| Account balancing assistance per hour (after the first 15 minutes) | $20.00 |
| Telephone Transfers (live) | $2.00 No fee for those age 55+ |
| Stop payments- (each) | $27.00 |
| Photocopies (each) | $0.25 No fee for those age 55+ |
| Copies of account statements (per statement) | $3.00 |
| Statements by mail (per statement) | $2.00 |
| Email statements (per statement) | No Fee |
| Night deposit bag (after first bag) | $20.00 |
| Small zipper bag (after first bag) | $3.00 |
| Fax: Outgoing (per sheet) | $2.50 |
| Fax: Incoming (per sheet) | $0.50 No fee for those age 55+ |
| Notary Fee | $1.00 |
| License Sticker Customer | $5.50 No fee for those age 55+ |
| License Sticker Non-Customer | $7.50 |
| IRA Transfer Fee | $25.00 |
| Christmas Club and Just for you Club early withdrawal fee | $25.00 |
| Garnishments/levies (each occurrence) | $60.00 |
| Indemnity Bond Fee (Lost CD or Official check)(each) | $10.00 |
| Check Cashing fee non-customer over $500 | $7.00 |
| Wire Transfers (each) | |
| Outgoing | $20.00 |
| Incoming | $10.00 |
| Foreign Automated | $45.00 |
| Foreign Wires | $60.00 |
| Collections Fees (each) | |
| – Incoming | $25.00 |
| – Outgoing | $10.00 |
| Safe deposit box rental (annual) – 3×5 | $20.00 |
| Safe deposit box rental (annual) – 4×5 | $20.00 |
| Safe deposit box rental (annual) – 5×5 | $25.00 |
| Safe deposit box rental (annual) – 3×10 | $30.00 |
| Safe deposit box rental (annual) – 5×10 | $50.00 |
| Safe deposit box rental (annual) – 5×11 | $50.00 |
| Safe deposit box rental (annual) – 7×10 | $60.00 |
| Safe deposit box rental (annual) – 8×10 | $60.00 |
| Safe deposit box rental (annual) – 10×10 | $75.00 |
| Safe deposit box sizes may vary depending on location |
| Late charge for safety deposit box rental after 10 days | $10.00 |
| Change lock fee for safety deposit box (Lost Key) | $75.00 |
| Safe deposit box drilling | $150.00 |
| Cashed or deposited items returned unpaid: | |
| – Each NSF item unable to charge back | $30.00 |
| – NSF Loan payment (each occurrence) | $30.00 |
| HELOC over limit charge (each occurrence) | $30.00 |
| By Phone loan payment with credit card | 3% of payment |
| By Phone loan payment internal account transfer | $2.00 |
| Lost loan payment book | $5.00 |
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Accounts with a zero balance for 30 calendar days will be closed by the bank. Accounts that do not have AOD we close the account at 25 calendar days overdrawn. Accounts that do have AOD we remove AOD at 25 calendar days overdrawn and close at 35 calendar days overdrawn. |
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