Services and Fees

Effective: December 15, 2025

• Account activity printout: $3.00
• Amortization schedule (minimum): $10.00
• Assisted telephone transfers (per transfer): $3.00
  • No fee for senior citizens (62+)
• Automated balance protection transfers (per transfer): $6.00
• Automated transfers to another institution (per transfer): $6.00
• Bank zipper bags: (per bag, one free) $5.00
• Cashier’s checks (any amount): $6.00
• Charge back deposited return item (per item): $5.00
• Check research and copies (per copy): $3.00
• Collections (minimum): $10.00
• Continuous overdraft fee (per day on fourth business day): $6.00
• Coupon book replacement: $5.00
• Debit card “Hot Card” fee: $20.00
• Debit/ATM card replacement (per card): $10.00
• Dormant checking account (12 months no activity, per month): $6.00
• Fax services (per fax sent or received): $5.00
• Inactive checking account fee (six months no activity, per month): $4.00
• Insufficient Funds / NSF Fee: $29.00
  • If an item is returned due to insufficient funds in the account, we will charge a fee of $29.00. If the same item is re-presented by the payee and returned again due to insufficient funds, we will not charge an additional returned item fee. 
• IRA close and transfer (for external transfer): $50.00
• Letters of Credit: 1% of LOC Amount (minimum $100.00): $100.00
• Mobile banking: no fee
• Money orders (any amount, $1,000.00 maximum):
  • Customers: $4.00
  • Non-customers: $6.00
• Night deposit lock bags (per bag, one free): $25.00
• Non-customer check-cashing: 2% of check amount, $15.00 minimum
• Non-customer currency and/or coin exchange: $5.00
• Non-proprietary ATM use (per transaction): $2.00
• Notary fee (non-customer): $2.00
• Online Bill Pay: no fee
  • Some fees apply for optional services within Online Bill Pay.
• Online business banking ACH origination (per file): $5.00
• Online business banking stop payments (per item): $15.00
• Online business banking wire transfer (per wire): $10.00
• Online business banking: no fee
• Online consumer banking: no fee
• Overdraft de-minimis amount: no fee for overdraft balances less than $30.00
• Overdraft Fee (per item presented and paid): $29.00
• Paper Statement Fee (Basic Checking and Interest Checking accounts only): $3.00
• Photocopies (per page): $1.00
• Premature account closing (within 90 days): $25.00
• Preprinted check bundle (4 per page): $3.00
• Records research (per hour): $25.00
• Replace safe deposit box key: $25.00
• Returned bank statement: $5.00
• Returned wire transfer: $5.00
• Safe deposit boxes (per year):
  • Small: $30.00
  • Medium: $40.00
  • Large: $50.00
  • Extra-large: $60.00
    • $5.00 SDB discount with auto-debit rent payment
• Safe deposit box drilled (cost plus) minimum $100.00
• Safe deposit box late payment >30 days: $10.00
• Statement balancing (per hour): $25.00
• Stop payments (per item): $25.00
• Tax forms reissued (per form): $5.00
• Tax levy/garnishment: $25.00
• Unauthorized ACH return (per item): $15.00
• Wire transfers:
  • Incoming wire: $12.50
  • Outgoing wire: $25.00
  • International incoming wire: $25.00
  • International outgoing wire: $50.00