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Other Fees & Charges Disclosure

Other Fees & Charges Disclosure

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

ACH Direct (Incoming transfers) – No charge

ATM Card & Debit Card

*Overnight delivery charge applies to next business day delivery within the contiguous United States only. Additional charges apply for shipments to Alaska, Hawaii, Puerto Rico, or any international location. Additional charges apply for weekend and holiday delivery.

Collection Items

*This is our fee to send a foreign check for collection.  The fee applies whether the foreign check is payable in U.S. dollars or in foreign dollars.  You are responsible for changes in the exchange rate or for other fees and/or collection costs that may be assessed by another financial institution during the collection or return process that may affect the value of the check sent or returned. 

Copies

Escheatment Fee – $75.00

Gift Cards - $4.00 each

Inactivity Fee (excludes all CDs, Young American Savings, Health Savings Account, Traditional & Roth IRAs, and Coverdell Education accounts)

IRA/HSA Transfer

International Service Assessment Fee

Legal Fees

Mail Deposit (excludes Traditional & Roth IRAs, Health Savings Account, Coverdell Education account)

Night Deposit

Official Checks

Bill Pay, Account to Account Transfers & Popmoney

Overdraft Items

**Unless prohibited by law, when a check or ACH transaction is presented against your account1 that exceeds your available balance by $5.00 or less, we will pay the check or ACH transaction and waive the Insufficient Funds or Uncollected Funds Charge. However, if your account is linked to a Checking, Savings, Money Market or Line of Credit account with us, your item will be paid from funds transferred from your Checking, Savings, Money Market or Line of Credit account and you will incur the applicable Overdraft Protection Transaction Fee.

1 When a check or ACH transaction is presented against your HSA account that exceeds your available balance and your account balance is negative, based on IRS regulations this is a prohibited transaction and your account will no longer qualify as an HSA account.

Overdraft Protection Transaction Fee

Overnight Delivery – $15.00

Overnight delivery charge applies to next business day delivery within the contiguous United States only. Additional charges apply for shipments to Alaska, Hawaii, Puerto Rico, or any international location. Additional charges apply for Saturday delivery.

Printing Charges

Reg. D Excess Transaction Fee

Assessed for each violation when you surpass the permissible number of transactions from a money market or savings account during a calendar month

Research/Account reconciliation – $25.00/hour (1 hour minimum)

Returned Check Charge (excludes Traditional & Roth IRAs, Coverdell Education account)

Safe Deposit Box Fees

Signature Guarantee – $5.00 each

Statement Charges - Personal

Statement Charges - Business

Stop Payments

Traveler's Checks

Wire Transfers

Zipper Bags - $3.00

Rev. 01.17

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