Services & Fees

24 Hour Express Touch Tone Phone Banking

  • Make account balance inquiries
  • Determine the last six transactions on your account
  • Verify electronic funds or ATM transactions
  • Verify interest paid and earned information during tax time
  • Make transfers
  • Rate and Product Information

Call 226-9523 or 226-9526 for local calls from any touch-tone phone.

Outside local area call 1-877-226-9800.

To access the funds transfer option, you must have completed a Request for Funds Transfer.


Debit & ATM Replacement Card (after 2 cards) $5.00 each
Expedited Card Shipping Fee $67.50
Dormant Account Fee $6.00 per month (Fee is charged when there are no customer initiated transactions posting to the account for 730 days)
Indemnity Bond $25.00
Interim Statement $5.00
Night Deposit Bag $20.00 (2 bags no charge)
Non-sufficient Funds (NSF) Fee $35.00 per item (Fee is charged when an item is returned because there are not enough funds available in the account to pay the item. An NSF fee may be assessed due to returned checks or other electronic means. Pursuant to NACHA Operating Rules and Guidelines and other applicable laws, a debit or item may be presented for payment more than one time. We may charge you Non-Sufficient Funds Fees for each resubmission of a debit or re-presentation of an item, which means you may incur multiple Non-Sufficient Funds Fees if a debit or item is returned more than one time. For example, you write a check from your account with us. The check is returned for non-sufficient funds, and we may charge you Non-Sufficient Funds Fees. The same check is then re-presented to us for payment, and the check is returned again for non-sufficient funds. We may charge you Non-Sufficient Funds Fees the second time the check is presented for payment and returned for non-sufficient funds.)
Overdraft Item Fee $35.00 per item (Fee is charged when an item is paid even though funds were not available in the account. Overdrafts may be created by check, in person withdrawal, ATM withdrawal or other electronic means.)
Maximum Number Of Overdraft and Non-Sufficient Funds Fees 5 per day
Continuous Overdrawn Account Fee

$5.00 (Fee is charged for a sustained negative balance. The fee is assessed when the account remains with a negative balance 5 consecutive business days and for each subsequent 5 consecutive business day period. On the 5th consecutive business day, after all items presented for that day have been processed and posted to the account, if the account remains with a negative balance, the fee will be assessed on said 5th consecutive business day.

This fee is in addition to any other fees assessed. A negative balance may be created by customer activity or bank assessed fees such as monthly service fees or non-sufficient funds fee.)

Official Check Fees
Cashier's Check $10.00 (No charge for 50 advantage accounts)
Money Order $4.00 (No charge for 50 advantage accounts) Money orders valued up to $1,000 each
Collection Item Fees Incoming or outgoing collection items, including check items, drafts, notes, without entry claim (i.e. forged endorsement, improper endorsement, altered item, etc.)
Domestic Collection Item Fees $25.00
Foreign Collection Item Fees 2% of the net proceeds of the item (based on the U.S. dollar value of the item) with a minimum charge of $10 and maximum of $100. Additional fees may be imposed by the foreign bank.
Operational Process Fees
Account Research Records $25.00 per hour (Minimum charge of $15)
Tax Levy/Garnishment/Court
Administrative Orders
$100.00 (Fee if funds from the account are frozen or seized under order)
Overdraft Transfer Fee $5.00 per transfer
Photocopies $1.00 per page
Return Deposit Item $10.00 (Fee if a deposited item is returned unpaid)
Statement Balancing (2 months maximum) $25.00 per hour
Stop Payment $35.00
Gift Cards
Purchase Fee $3.95
Monthly Inactivity Fee (Assessed after 12 consecutive months of inactivity) $4.95
Lost/Stolen Card Replacement Fee $8.00
Reloadable Cards
Purchase Fee $6.95
Secondary Card Purchase Fee $2.95
       Monthly Fee (primary card only) $4.95 (Monthly fee will not be charged in any calander month in which you load your card)
Add Money (primary card only) At Financial Institution $3.00
Cash Access Fee:
ATM Withdrawal, In Network $0
ATM Withdrawal, Out of Network $1.99 (Third-party fees may apply.)
Over-the-Counter Cash Withdrawal $1.99 (Third-party fees may apply.)
Foreign Transaction Fee 3%
ATM Fees When you use an ATM, you may be charged a fee by third parties to complete the transaction. Fee may include balance inquiry.
Wire Transfer Fees
Incoming Wire $15.00
Outgoing Wire $20.00
Foreign Incoming Wire $15.00
Foreign Outgoing Wire $75.00
Safe Deposit Box Rental
3 X 5 $ 20.00 per year
3 X 10 $ 40.00 per year
5 X 10 $ 60.00 per year
10 X 10 $120.00 per year

Other Miscellaneous Services

  • Wire Transfers
  • Internet Banking
  • Safe Deposit Boxes
  • Visa Debit Cards
  • Money Orders
  • Cashiers Checks
  • NYCE Network ATMs
  • Stop Payments
  • Bank by Mail
  • Notary Services
  • Night Depository
  • 24 Hour Express Touch Tone Phone Banking