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Schedule of Fees and Charges


Schedule of Fees and Charges- Personal

Share & Share Draft Checking Account Fees


Title Fee Amount
Overdraft Transfer Fee
 $1 per transfer
Overdraft Fee
 $12.50 per item
Return Fee (Non-Sufficient Funds)
 $12.50 per item
Stop Payment Fee
 $20 per item
Shared Draft Check Printing Fee
(deducted from account)		 Prices may vary depending on style
Share Draft Check Copy Fee
 $5 per check
Temporary Share Draft Checks
(sheet of 4)		 $1.00 per sheet
Early Closure Fee (closed within 90 days) $25 per share

Other Service Fees (applicable to all accounts)

Title Fee Amount
Research Fee/Account Reconciliation Fee
 $25 per hour
Statement Copy Fee
 $5 per statement
Returned Check Deposit Fee
 $25 per item
Teller Check Copy Fee $5 per check


ATM/VISA Credit/Check Card

Replacement Fee $5 per card
Instant Issue Card Fee $10 per card
Expedited Card Order Fee  $25 per card
Overdraft Fee $12.50 per item
Return Fee (Non-Sufficient Funds) $12.50 per item
Incoming Domestic Wire Transfer Fee
 $10 per transfer
Outgoing Domestic Wire Transfer Fee
$40 flat fee
Incoming International Wire Transfer Fee
 $10 per transfer
Outgoing International Wire Transfer Fee Not Offered
Teller Check Stop Payment/
Declaration of Loss Fee
$25 per check
Dormant Account Fee (inactive for one (1) year or more)
 $5 per quarter
Invalid Address Fee
 $5 per quarter
Safe Deposit Box Rental Fee (Fee automatically deducted from member's share account each year) $36 - $120 per year depending upon box size
Safe Deposit Box Key Deposit
 $14 per set (2)
Safe Deposit Box Forced Entry
 up to $600
Safe Deposit Box Lock Replacement
 up to $600
Money Order Fee (after the 3rd money order per day)
 $2 per money order
Teller Check Fee (after the 3rd check per day)
 $2 per check
Legal Processing Fee (e.g. liens, levies, garnishments, or any form of legal attachment or execution) $50 per item
Unclaimed Property Processing Fee
 $50 per account

Electronic Funds Transfer Fees

Title Fee Amount
Stop Payment Fee
 $20 per item
Overdraft Fee
 $12.50 per item
Return Fee (Non-Sufficient Funds) $12.50 per item

Share Value/Membership Fee

Share Value Membership Fee
Per value of one share $5
Membership Fee $1

Schedule of Fees and Charges- Business

Business Share Savings Account/Membership Fee

Account Fee Amount
Share Account Par Value
 $5
Membership Fee
 $1
Minimum Balance to Open the Account
 $25
Minimum Daily Balance
 None
Early Closure Fee (Accounts closed within 90 days)
 $25 per share

Small Business Share Draft Account

Title Fee Amount
Minimum Balance to Open the Account
 $100
Minimum Daily Balance
 $100
Maintenance Fee (If, during any statement cycle (month), your account balance falls below $100.00) $12
Maximum Credits – *100 items / month
 No Charge
Maximum Debits – **100 items / month
 No Charge
Transaction Item Fee (for items in excess of the maximum debits or maximum credits)
 $0.25 per item
Early Closure Fee (Accounts closed within 90 days)
 $25 per share

Business Share Draft Account

Title Fee Amount
Minimum Balance to Open the Account
 $1,000
Minimum Daily Balance
 $3,000
Maintenance Fee (If, during any statement cycle (month), your account balance falls below $3,000.00) $17
Maximum Credits – *200 items / month
 No Charge
Maximum Debits – **200 items / month
 No Charge
Transaction Item Fee (for items in excess of the maximum debits or maximum credits)
 $0.25 per item
Early Closure Fee (Accounts closed within 90 days)
 $25 per share

Other Business Share Draft Checking Account Fees

Title Fee Amount
Overdraft Transfer Fee
 $1 per transfer
Overdraft Fee
$12.50 per item
Return Fee (Non-Sufficient Funds) $12.50 per item
Stop Payment Fee
 $20 per item
Share Draft Check Printing Fee – deducted from account
 Prices may vary depending upon style
 

 Other Business Account Fees

Title Fee Amount
24 Hour Member Access Line
 No Charge
Online Banking
 No Charge
Deposited Checks Return Fee (all checks deposited)
 $5 per check
Domestic and International Wire Transfer (Incoming) Fee
$10 per transfer
Legal Processing Fee (e.g. liens, levies, garnishments or any form of legal attachment of execution) $50 per item
Coins In – Per Roll
 $.10
Re-deposited Items
 $2.50 per item
Check copy / Share Draft Copy Fee
 $5 per item

Other Services Fees

Title Fee Amount
Research Fee/Account Reconciliation Fee
 $25 per hour
Statement Copy Fee
 $5 per statement period
Telephone Transfer Fee
 $2 per transfer


ATM/VISA CREDIT/CHECK CARD

Replacement Card Fee $5 per card
Instant Issue Card Fee $10 per card
Expedited Card Order Fee $25 per card
Overdraft Fee
 $12.50 per item
Return Fee (Non-Sufficient Funds) $12.50 per item
Outgoing Domestic Wire Transfer Fee
 $40 flat rate
Outgoing International Wire Transfer Fee Not Offered
Credit Union Check Fee (after the 3rd check per day)
 $2 per check
Credit Union Check Copy Fee
 $5 per check
Credit Union Check Stop Payment / Declaration of Loss Fee
 $25 per check
Money Order Fee (after the 3rd money order per day)
 $2 per money order
Dormant Account Fee (inactive for 1 year of more)
 $5 per quarter
Safe Deposit Box Fee
 $ 36 - $120
Unclaimed Property Processing Fee
 $50 per account
Invalid Address Fee
 $5 per quarter
Electronic Funds Transfer Fees
Title Fee Amount
Stop Payment Fee
 $20 per item
Overdraft Fee
 $12.50 per item
Return Fee (Non-Sufficient Funds) $12.50 per item
*All deposits including cash, check, ACH, online and mobile.
**All withdrawals including cash, check, ACH, online, mobile and Bill Payer.
Fee Schedule Effective 01/04/2023
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