Fees & Service Charges

Savings Accounts

Prime Membership Savings Account & Guaranteed Savings Account

Monthly charge for aggregate balances under $100 and no loan or checking account | $3.00
Excess withdrawal fee (three free cash withdrawals per month) | each $5.00
Overdraft protection transfer fee | $5.00
ATM fees | See ATM Fees section
One-time account opening fee for Guaranteed Savings Account | $10.00

Payroll Plus Savings Account

Monthly charge for aggregate balances under $100 and no loan | $3.00
Excess withdrawal fee (one free cash withdrawal per month) | each $5.00

Preferred Youth Savings Account
There are no monthly service charges for active accounts (at least one transaction per year)
Vacation Savings Accounts

Monthly charge for aggregate balances under $100 and no loan $3.00
Excess withdrawal fee (three free cash withdrawals per month) each $5.00
Overdraft protection transfer fee | $5.00

Christmas Savings Account

Monthly charge for aggregate balances under $100 and no loan | $3.00
Charge for each withdrawal from Jan. 1 through Sep. 30 | $10.00
Excess withdrawal fee Oct. 1 through Dec. 31 (three free cash withdrawals per month) | each $5.00

Money Market Account

Monthly charge for balance under $1,000 | $5.00
Excess withdrawal fee (three free cash withdrawals per month) | each $5.00
Overdraft protection transfer fee | $5.00
Check copies (two per month free) | each $3.00


Safe Deposit Boxes

Relationship discounts available: $10 discount on rates listed below with direct deposit checking account.

3 x 10 | $35.00
5 x 10 | $50.00
10 x 10 | $75.00
Key deposit | $10.00
Lost key | $10.00
Fee to obtain without checking account | $10.00
Late charge (per month) | $10.00
Drilling fee | varies, minimum $150.00


Checking Accounts

Basic Checking

No monthly service fee, no minimum balance
No ATM withdrawal fees for transactions on our no-surcharge ATM network
Check copies (two per month free) | each $3.00
ATM Fees | see ATM fees

e-Checking

No monthly service fee, no minimum balance
Check copies (two per month free) | each $3.00
e-Checking requires: e-statements, at least one monthly
ACH deposit, and 10 debit card transactions per month. Monthly fee if requirements are not met | $5.00
ATM Fees | see ATM fees

Charter Checking Account

Monthly service charge | $5.00
Check copies (two per month free) | each $3.00
ATM Fees | see ATM fees

Checking Plus Account

Dividends paid if balance is $500 or higher.
Monthly service charge for balance below $500 | $5.00
Check copies (two per month free) | each $3.00
No monthly service charge or Mid American ATM withdrawal fees if transactions are done on our network.
ATM Fees | see ATM fees

All youth checking account

No monthly service fee, no minimum balance
No ATM withdrawal fees for transactions on our no-surcharge ATM network
Check copies (two per month free) | each $3.00
ATM Fees | see ATM fees

Health Savings Account - Checking

No monthly service fee, no minimum balance
No ATM withdrawal fees for transactions on our no-surcharge ATM network
Check copies (two per month free) | each $3.00
ATM Fees | see ATM fees


Business Accounts

Business Essentials Checking

Monthly service charge | $10.00
ATM Fees | see ATM fees

Business e-Checking

No monthly service fee, requires e-Statements
Check copies (two per month free) | each $3.00
Less than 10 Visa Debit Card transactions per calendar month | $7.00
Invalid e-mail address for e-Statements (results in conversion fee to Business Essentials Checking) | $10.00
ATM Fees | see ATM fees

Business Basic Savings

Monthly service charge, if balance below $100 $7.00
Daily Overdraft protection transfer fee $5.00
Monthly excess withdrawal fee each $3.00
ATM Fees – see ATM fees

Business Money Market Savings

Monthly service charge, if balance below $1000 | $10.00
Bill Payer (five per month free) | $.50
Daily Overdraft protection transfer fee | $5.00
Monthly excess withdrawal fee | each $3.00
ATM Fees | see ATM fees

ATM Fees

Additional ATM charge per transaction if the ATM transaction is done outside our no-surcharge ATM network | $2.00

Savings Accounts
Withdrawals (four per month free) | each $0.75
Rejected transaction | each $0.60
Insufficient funds for ATM transaction | $30.00
Replacement card | $5.00
Checking Accounts

Applies to Charter Checking, Checking Plus
Rejected transaction | each $0.60
Withdrawals (four per month free) | each $0.75
Point of sale transaction | no charge
Insufficient funds for ATM transaction | $30.00
Replacement card | $5.00

Direct Deposit, e-Checking and HSA checking accounts

Rejected transaction | each $0.60
Point of sale transaction | no charge
Insufficient funds for ATM transaction | $30.00
Replacement card | $5.00


Fees Common to All Accounts

New member fee | $10.00
Instant issue personalized card (one free per member per year) | $5.00
Insufficient funds (check or electronic item) | $30.00
Courtesy pay fee | $30.00
Stop payment fee | $30.00
Wire transfers (minimum $100)

  • Domestic $30.00
  • International – foreign currency $40.00
  • International – U.S. currency $40.00
  • Incorrect IBAN # $25.00

Overnight weekday delivery | $30.00
Overnight Saturday delivery | $40.00
Returned deposit item | $10.00
Interim or duplicate statement | $5.00
Account research, one hour minimum per hour $15.00
Garnishment processing fee | $15.00
Signature guarantee | $10.00
Bill Payer | Free
Return mail, no forwarding address | each $5.00
Dormant Fees (1 year no withdrawals or deposits)

  • With bad address per month | $20.00
  • Accounts with less than $200 on deposit | per month $5.00
  • Youth Accounts - less than $50 on deposit | per month $5.00


Lending Services

Late fees: For consumer loans and 2nd mortgages-the lesser of 5% of the past due amount or $25.00 after 10 days.
Late fees: For 1st mortgages-the lesser of 5% of the past due amount or $25.00 after 15 days
Late fees: For VISA-the lesser of 5% of the past due amount or $15.00 after 10 days.
VISA draft retrieval each | $15.00
Insufficient funds returned payment charge | $10.00
VISA replacement card | $5.00
Payment by phone by check | $5.00
Payment by phone by debit or credit card 4% of payment amount, min. fee $5.00. For VISA and line of credit loan payments, max. fee $20.00, max payment amt. $500.00.
VISA walk-thru card | disclosed at time of request
Reject fee VISA/Mastercard telephone payment | $10.00
Late fee | VISA per month up to $15.00
Force Place Insurance on Loans | $50.00
VISA multiple foreign currency courtesy fee | 1% of transaction
VISA single foreign transaction fee | 0.8% of transactions
Duplicate lien release | $20.00
First and second mortgage document prep fee | $115.00
Payoff fax fee | $20.00
Mortgage lien release | $7.00
Mortgage subordinate fee | $200.00

Teller Services

Visa Travel Card | each $4.00
Corporate checks | each $3.00
Check cashing fee, with no checking or loan accounts or aggregate balance greater than check being cashed | $5.00
Visa Gift Card | each $4.00

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e-Checking

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