Personal Checking Accounts

Personal Account Fee Schedule

¹ eStatements enrollment required to avoid $3.00 paper statement fee.

²The average balance is calculated by adding the current balance in the account for each day of the cycle month and dividing that figure by the number of days in the cycle month.

³Foreign ATM fees of up to $20 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle.

⁴Your total relationship balance can include your consumer accounts; checking, money market, savings and Certificate of Deposit (CD) that you are primary or secondary owner. The period we use to calculate the average balance for related checking, money market and savings accounts starts and ends with the cycle month for this account. The CD balance is determined as of the cycle date for this account. 

⁵Checkless checking account with debit card access, online banking and bill pay access. $5 monthly maintenance fee not waived. No overdrafts or non-sufficient funds fees. No account closing, inactive or dormancy fees or ATM fees. Must open in-person. Must enroll in statements within the first 30 days of account opening or account conversion. If eStatements are discontinued, then a Monthly Paper Statement fee of $2.00 would apply. The maintenance fee is assessed when your Statement is generated.  

⁶Overdraft $20.00 per item per presentment. Fees apply to transactions created by check, in-person withdrawal, recurring debit card transactions, or other electronic means. Overdraft fees will not be imposed on ATM withdrawals or one-time debit card items unless the customer has opted in. Overdraft Privilege: The total of the discretionary overdraft privilege (negative) balance, including any and all bank fees and charges, and interest charges is due and payable upon demand. Approval of payment of overdrafts by the bank on consumer accounts in good standing is only a discretionary courtesy, and not a right or obligation. For Consumer accounts: No fee will be charged when the account is overdrawn twenty ($20.00) dollars or less. Overdraft fees are assessed on up to three items per day, with the maximum not to exceed $60.00. For Ready Reserve, normal underwriting guidelines apply. A $25.00 annual fee will be assessed, except in the state of Arizona where the fee is not applicable.