General Fees

Abandoned Property Escheatment . . . $50

Account Reinstatement Fee . . . . . . $25 (within one year)

Account Statement Fee . . . . . . . . . $5

Additional research fee may apply Bill Pay Check Copy . . . . . . . . . . . $5

Bill Pay Stop Payment . . . . . . . . . . $32

Check Cashing (non-member) . . . . $5

Check Printing Fee . . . . . . . . . . . . At cost from Harland. See Membership Account Structure for more details.

Copy of Check Deposited/Cashed . . . . . $5 per item

Copy of Member Receipt . . . . . . . . $2

Early Account Closure Fee . . . . . . $25 (if closed within 180 days)

Fax Service . . . . . . . . . . . . . . . . . . . $1 per page

Foreign ATM Withdrawal . . . . . . . $1.50 per transaction*

Foreign ATM Inquiry Fee . . . . . . . $0.25 per transaction*

Foreign Check Processing . . . . . . . $15 (Exchange rates may apply and will be quoted after processing.)

HSA Account Close / Transfer . . . $30

Inactive Account Fee . . . . . . . . . . If an account is inactive for 6 months a $5 fee will be charged. If the primary share account has $5 or less then a fee will be charged up to the balance and the account will be closed. (Excludes minor accounts and accounts with open loans)

IRA Closure/Transfer . . . . . . . . . . $30

Legal Processing Fee . . . . . . . . . . . $100

Loan Payoff Processing Request (Mortgages and HEs) . . . . . . . . . . $50

Loan Skip-a-Payment** . . . . . . . . . $35

MessagePay loan payment made online with debit card . . . . . . . . . . $4.99

Manual Payment Transfer on Late Loans . . . . . . . . . . . . . . . . $10

Money Order Fee . . . . . . . . . . . . . . $4*

Notary Service . . . . . . . . . . . . . . . . Free, $2 for non-members

Official Check. . . . . . . . . . . . . . . . . $4*

Paper Statement Fee . . . . . . . . . . . . $2/month (Begins with January 2015 statements; ages 18 and under and 65 and older exempt.)

Research / Checkbook Balancing . . . $25 per hour

Returned Mail Fee . . . . . . . . . . . . . $5

Signature Guarantee . . . . . . . . . . . Free

Stop Payment . . . . . . . . . . . . . . . . . $30 (Check, Official Check, or ACH)

Temporary Checks . . . . . . . . . . . . . 8 free with new checking account, then $0.25 each

Card Services

Debit card eligible accounts w/ATM cards . . . . . . . . . . . . . . . . . $10/year

Visa Debit or Credit Card Replacement . . . . . . . . . . . . . $15

Rush Service . . . . . . . . . . . . . . . . . $50 in addition to the replacement charge

Visa Gift Card . . . . . . . . . . . . . . . . $3.50 each

Non-Sufficient Funds and Returned Item Fees

Courtesy Pay Fees . . . . . . . . . . . . . . $32 (Standard and Enhanced)

Courtesy Pay Negative Balance Fee  . . . $30 (if negative balance is not paid within 20 days, fee may be assessed and privilege may be revoked)

Deposited Item Returned . . . . . . . . $20 if drawn on another’s account, $30 if drawn on owner’s account

Funds Transfer to Cover Overdraft . . . $5

Non-Sufficient Funds . . . . . . . . . . . $32 (Checks, ATM, ACH, Debit Card Transaction, and Bill Pay Transaction)

Non-Sufficient Funds . . . . . . . . . . . $35 (MoneyBuilder Account)

Wire Fees

Incoming Wire Transfer . . . . . . . . . . . . $10

Outgoing Wire Transfer Domestic. . . . . $20

Safe Deposit Box Fees

Box Rental (3”x 5”x 24”) . . . . . . . . $35 per year plus tax

Box Rental (3”x 10”x 24”) . . . . . . . $65 per year plus tax

Box Rental (5”x 10”x 24”) . . . . . . . $80 per year plus tax

Drill Fee . . . . . . . . . . . . . . . . . . . . Based on actual cost of drill services by a Family First designated locksmith.

External Funds Transfer Fees

Standard Service Inbound . . . . . . . Free

Standard Service Outbound . . . . . $2.00

Premium Service Inbound . . . . . . . $5.00 (next business day)

Premium Service Outbound . . . . . $7.00 (next business day)