Schedule of Consumer Fees & Service Charges
Effective 5/4/2026
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 Accounts1
| *Free Checking | |
| Initial Deposit | $25 |
| No Minimum Balance Service Charge | |
| Rewards Checking | |
| Initial Deposit | $25 |
| Includes Rewards2 | |
| Service Charge | $6 Per Month |
| Premium Rewards Checking | |
| Initial Deposit | $25 |
| Includes Premium Rewards2 | |
| Service Charge | $9 Per Month |
| Interest Checking | |
| Initial Deposit | $25 |
| Includes Premium Rewards2 | |
| Minimum Average Daily Balance3 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 Market1
| 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 | $25,000 |
| 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 Protection4 | |
| Funds transfer from another account in case of an overdraft. Setup required. | |
| Application Fee | No Fee |
| Overdraft Transfer Fee | No Fee |
| Overdraft Line of Credit5 | |
| Funds transfer from line of credit in case of an overdraft. | |
| Application Fee | $43 |
| 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 | $30 Per Wire |
| Outgoing—International USD | $50 Per Wire |
| Outgoing—International FX | $60 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)6 | $30 Per Hour |
| Stop Payment | $30 Per Request |
| VISA International Transaction Fee | 1% of Transaction |
1Interest is compounded monthly and credited on the last day of the statement cycle for interest-bearing checking and savings accounts; interest is compounded daily and credited on the last day of the monthly statement cycle for Money Market accounts.
2Refer to Rewards Quick Reference Guide for a complete list of rewards.
3The average daily balance is calculated by adding the principal for each day of the monthly statement period and dividing that by the number of days in the monthly statement period
4Overdraft Protection covers checks, automatic payments and recurring payments, when funds are available in the linked account to cover the transaction.
5Overdraft Line of Credit covers checks, ATM withdrawals, debit card purchases, automatic payments, and recurring payments, up to credit limit.
6Assessed only if request will take at least one hour. Includes cost for statements, deposit ticket and/or check copies.
*Nonsufficient Funds Fees may apply.
§Presentment refers to items such as checks and electronic (ACH) transactions.
Safe deposit box size and availability vary by location. Please ask a branch representativefor a quote. Safe Deposit Box Annual Rent Schedule available upon request.
