Fees

We don’t do the ‘hidden fee’ thing.  Here they are.  All of them…

Current Rate and Fee Schedule

Checking

Check printing (no charge for basic checks for seniors age 60+) Actual cost of check order
Overdraft transfer (per transfer; 3 free per month) $ 3.00
Account reconcile assistance (per hour with 1 hour minimum) $ 20.00
Copy of check (5 free per period) $5.00
Stop payment order (per check, maximum $30 per series) $15.00
NSF Check / Returned check charge / Check paid against held funds (per item) $29.00
Courtesy Pay (if eligible, per item paid) $29.00

Debit Card

ATM use fees – In Network $ 0.00
Card replacement $10.00
Replacement PIN $5.00
NSF ATM/POS Transaction $29.00
Returned Deposit Item $25.00
Deposit Adjustment $10.00
Empty Envelope Deposit $25.00

EFT Transactions

ACH Stop payment $15.00
Failed/NSF electronic payment $29.00

IRA Accounts

Enrollment Fee $10.00
Annual Maintenance Fee $10.00

Money Market Accounts

Excessive withdrawals (over 3 per month) $5.00

Miscellaneous Fees (apply to all accounts)

Account Reconciliation (per hour, 1 hour minimum) $20.00
Check Cashing Fee (non-member cashing on-us check, per check) $10.00
Check Cashing Fee (member with balances <$100, per check) $5.00
Copies of Statements (per page) $1.00
Corporate Check Copy $3.00
Corporate Check Issue (member request, no charge if payable to member or over $1000) $5.00
Corporate Check Issue (non-member  i.e. merchants) $10.00
Corporate Check Stop Payment Request $15.00
Dormant Account Escheat Processing Fee $25.00
Foreign Item Collection Fee varies by item
Foreign Item Return Fee $30.00
Inactive Account Fee (monthly, if no activity for 12+ months) $5.00
Levy/Garnishment/Legal Action Processing Fee $30.00
NSF Check / Returned check charge / Item paid against held funds (per item) $29.00
Photocopy/Fax (per page) $0.50
Portfolio Loan Refinance (per loan refinanced) $25.00
Prepaid debit card (reloadable up to 24 times, $2000 maximum/load) $0.00
Telephone Transfer Request $2.00
Records Search (per hour with $25 minimum) $25.00
Returned mail fee $5.00
Wire Transfer (incoming) 0.00
Wire Transfer (outgoing, domestic) $15.00
Wire Transfer (outgoing, International) $35.00

Savings Accounts

Early account closure (within 90 days of opening acct) $15.00
Primary Share account below minimum balance (quarterly) $5.00