Effective January 1, 2023. Subject to change.
| Share Account Fees | |
|---|---|
| Inactive Regular Share Account – after 12 months | $5.00 / month |
| Inactive Club Account – after 12 months | Close – Move to Regular |
| Regular Shares Early Closure Fee – 12 months | $10.00 |
| Christmas club early withdrawal (Jan 1 – Sept 30) | $3.00 each |
| Money Market withdrawals over 3 per month | $10.00 / transaction |
| Draft/Checking Account Fees | |
|---|---|
| RDC (Remote Deposit Capture) | No Charge |
| Online Bill Pay | No Charge |
| A2A – Account to Account Transfer | No Charge |
| ACH – Recurring Transfers | No Charge |
| Overdraft Transfer from Regular Share | $3.00 / presentment |
| Courtesy Pay | $25.00 / presentment |
| Returned Check/ACH | $25.00 / presentment |
| Non-Sufficient Funds (Overdrawn Account) | $25.00 / presentment |
| Stop Payment – Single or Multiple | $10.00 |
| Draft Account early closure fee – 12 months | $10.00 |
| Inactive Draft Account – after 12 months closes and transfers to Regular Shares | No Charge |
| Draft Copy/Research | $2.00 / item |
| Statement Copy/Printout (FREE on Online Banking) | $3.00 / statement |
| Temporary Checks – New Accounts | Free |
| Temporary Checks – Existing Accounts | $5.00 / 12 Checks |
| IRA Account Fees | |
|---|---|
| IRA Annual Fee (if below $500) | $15.00 |
| Close IRA within 1 year of opening | $20.00 |
| Miscellaneous Fees | |
|---|---|
| Bad Address/Returned Mail | $5.00/Month |
| Returned Statement Notice /Bad Email Address | $5.00/Month |
| ATM/Debit Card Replacement | $7.00 |
| ATM/Debit Card Replacement – RUSH | $50.00 |
| VISA Credit Card Replacement | $10.00 |
| VISA Credit Card Replacement – RUSH (2 Day) | $50.00 |
| VISA Credit Card Emergency Fee (Next Day) | $50.00 |
| VISA Credit Card Statement Copy | $3.00 |
| VISA Credit Card Return Payment | $25.00 |
| VISA Credit Card Pay-by-Phone | $5.00 |
| VISA Credit Card Late Payment Fee | $25.00 |
| Certified Check – First 3 checks per month are free | $3.00 / check |
| Returned Certified Check for Redeposit | $5.00 |
| Stop Pay on Certified Check After 90 days | $40.00 |
| Coin Processing (Member only) | No Charge |
| Notary fee – Member | No Charge |
| Notary fee – Non-member | $5.00 |
| Prepaid Travel Card Purchase/Replacement | $6.00 |
| Prepaid Travel Card Reload | $4.00 |
| Prepaid Gift Card | $6.00 |
| Skip – A – Pay (one time per calendar year) | $25.00 |
| Funds/Transfer/Wires | |
|---|---|
| One time ACH origination | $5.00 |
| Same Day ACH origination | $20.00 |
| Wire transfer-incoming | $10.00 |
| Wire transfer-outgoing | $20.00 |