Schedule of Consumer Fees & Service Charges

Effective 5/15/2025

All fees and service charges are subject to change. We'll mail you a notice 30 days before any increase in fees takes effect.

Checking Accounts

*Free Checking
Initial Deposit	$25
No Minimum Balance Service Charge
Rewards Checking
Initial Deposit	$25
Includes Rewards
Service Charge	$6 Per Month
Premium Rewards Checking
Initial Deposit	$25
Includes Premium Rewards
Service Charge	$9 Per Month
Interest Checking^†
Initial Deposit	$25
Includes Premium Rewards
Minimum Average Daily Balance¹ to Waive Service Charge	$5,000 or $50,000 in eligible balances
Service Charge	$12
No Minimum Balance to Earn Interest
Fresh Start (BankOn Certified)
Not eligible for checks or starter checks
Initial Deposit	$25
Service Charge	$4 Per Month

Savings & Money Market

Money Market^†
Initial Deposit	$25
Minimum Balance to Waive Service Charge	$1,000
Service Charge	$10 Per Month
Minimum Balance to Earn Interest	$1,000
High Yield Money Market^†
Promotion may be discontinued at any time
Not Available for IRAs or Business Clients
Initial Deposit	$25
Minimum Balance to Waive Service Charge	$1,000
Service Charge	$10 Per Month
No Minimum Balance Service Charge
Indexed Money Market
Initial Deposit	$25,000
Minimum Daily Balance to Waive Service Charge	$100,000
Service Charge	$10 Per Month
Minimum Balance to Earn Interest	$100,000
Platinum Money Market
Promotion may be discontinued at any time
Requires a checking account and $25,000 new money to open
Initial Deposit to Open	$25,000
Minimum Balance to Waive Service Charge	$1,000
Service Charge	$10 Per Month
Minimum Balance to Earn Interest	$25,000
Savings^†
Initial Deposit	$25
Minimum Balance to Waive Service Charge	$100
Service Charge	$3 Per Month
Minimum Balance to Earn Interest	$100
Start Savings^†
Requires a checking account to open.
Initial Deposit	$25
No Minimum Balance Service Charge
No Minimum Balance to Earn Interest
Minor Savings^†
No Minimum Balance Service Charge - Under Age 18
Initial Deposit	$10
Minimum Balance to Earn Interest	$10
Save at School Savings^†
Only available to elementary school aged minors part of an active Save at School program
Initial Deposit	$5
Minimum Balance to Waive Service Charge	$5

Overdraft Services

Overdraft Protection^***
Funds transfer from another account in case of an overdraft. Setup required.
Application Fee	No Fee
Overdraft Transfer Fee	No Fee
Overdraft Line of Credit^****
Funds transfer from line of credit in case of an overdraft.
Application Fee	$33
Overdraft Transfer Fee	No Fee

In Person Payments

Cashier's Checks
Cashier's Checks	$8 Per Check
Collections and Foreign Check Processing
All Check Collections	$50 Per Collection
Canadian Check Processing	$10 Per Check
All Other Foreign Check Processing	$30 Per Check
External Transfers
$25,000 limit
Pre-Authorized Transaction - Same Day	$10 Per Transfer
Wire Transfers
Incoming	$15 Per Wire
Outgoing—Domestic	$25 Per Wire
Outgoing—International	$45 Per Wire

Other Fees & Services

Card Replacement—Standard Service	$5 Per Card
Card Replacement—Expedited Service	$40 Per Card
Check Images with Monthly Statement	$5 Per Month
Inactive Account Fee—Checking only Assessed after 270 days without activity	$5 Per Month
Legal Processing	$75 Per Order
Loan Payment—Returned Check Fee	$20 Per Presentment
Nonsufficient Funds Fee (NSF)
ATM or Everyday Debit Card Transactions	No Fee
Insufficient Funds Charge (Returned)	$30 Per Presentment^§
Insufficient Funds Charge (Paid)	$30 Per Presentment^§
Daily Maximum	3/day or $90
Notary Services	No Fee for Existing Clients
Research Fee (1 Hour Minimum)^‡	$30 Per Hour
Box Availability** Safe deposit box size and availability vary by location. Please ask a branch representative for a quote.
Safe Deposit Box Key Deposit	$20 Deposit
Safe Deposit Box Drilling	Varies by Location
Stop Payment	$30 Per Request
VISA International Transaction Fee	1% of Transaction

*Nonsufficient Funds Fees may apply.

**Safe Deposit Box Annual Rent Schedule available upon request.

***Overdraft Protection covers checks, automatic payments and recurring payments, as long as funds are available in the linked account to cover the transaction.

****Overdraft Line of Credit covers checks, ATM withdrawals, debit card purchases, automatic payments, and recurring payments, up to credit limit.

^†Interest is compounded daily and paid monthly.

^‡Assessed only if request will take at least one hour. Includes cost for statement, deposit ticket and/or check copies.

^§Presentment refers to items such as checks and electronic (ACH) transactions.

¹The average daily balance is calculated by adding the principal for each day of the monthly statement period and dividing that figure by the number of days in the monthly statement period.