Service Charges & Fees
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM/Debit Card withdrawal, or other electronic means.
| Account balancing assistance | $25.00 per hour |
| Account research | $25.00 per hour |
| ATM/Debit Card Replacement | $10.00 per card |
| Overdraft Transfer Fee | $10.00 each transfer |
| Collection Fee | $25.00 |
| Executions | $75.00 |
| Garnishment fee | $75.00 |
| Levies | $75.00 |
| Overdraft | * $10.00 - $30.00 |
| Nonsufficient funds (NSF) | ** $10.00-$30.00 |
| Photocopies | $.25 per item |
| Statement research | $10.00 |
| Single item research | $5.00 |
| Stop payment | $30.00 each |
| Stop payments- ACH payments | $30.00 each |
| Uncollected Funds | $30.00 |
| Domestic Outgoing wire transfer | $20.00 |
| International wire transfer | $100.00 |
| Check printing | Varies depending on style and quantity chosen |
| Individual counter checks | $.50 each |
| Cashier's checks | $3.00 |
| Non-Personal Account Service Charge | $ 5.00 Minimum per month |
| Online Bill Payment | $5.00 per month for unlimited transactions |
| Basic Business Online Bill Payment | $5.00 per month (limit 50 transactions per month) |
| Dormant account fee* | $10.00 per year |
An account is considered dormant if for one year you have made no deposits or withdrawals to the account.
A dormant account fee of $10.00 will be charged each year if for one year (previous) there is no activity or other indication in writing from you of an interest in this account.
*Overdraft Fee (Paid Item Charge): If the item presented for payment is $10.00 or less, or the balance of your account after the paid item results in a negative balance of $10.00 or less, then the Overdraft Fee will be $10.00 per item paid. If the item presented for payment is more than $10.00, or the balance of your account after the paid item results in a negative balance of more than $10.00, then the Overdraft Fee will be $30.00 per item paid.
**Non-Sufficient Funds Fee (Returned Item Charge): If the item presented for payment is $10.00 or less and is returned due to non-sufficent funds, then the Non-Sufficient Funds Fee will be $10.00 per item returned. If the item presented for payment is greater than $10.00, then the Overdraft Fee will be $30.00 per item returned.
We may require not less than seven day’s notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.
Early Withdrawal Penalty for Certificate of Deposit and IRA accounts:
If the maturity date is one year or less the early withdrawal penalty will be loss of 30 days interest on the amount withdrawn. If the maturity date is over one year the early withdrawal penalty will be loss of 90 days interest on the amount withdrawn.
There are certain circumstances where we may waive or reduce the penalty.
