Fee Schedule


Share Account Fees

Share Account Electronic NSF Fee: $25.00 per item
Account Reopening Fee: $10.00 if closed and reopened within the last 90 days

Share Draft Account Fees

Overdraft Item fee:*** $25.00 per item
Exceeds Reg. D: $25.00
Returned Item fee: $25.00 per item
Stop Payment fee: $25.00 per request
Share Draft Printing fee: Prices may vary depending upon style.
Share Draft Account Electronic NSF fee: $25.00 per draft
Check Copy fee: $2.00 per check

Money Market Account Fees

Minimum Balance Fee $10.00 per month
Maximum Transaction fee $10.00 per transaction over the (six) maximum allowed

Other Service Fees (application to all accounts)

Account Reconciliation fee: $20.00 per hour
Account Research fee: $20.00 per hour
Statement Copy fee: $2.00 per monthly statement
Deposited Item Return fee $15.00 per item
Items Sent for Collection fee: $10.00 per item
Wire Transfer (outgoing) fee: $15.00 per transfer
International Wire Transfer (outgoing) fee: $35.00 per transfer , or actual cost
Certified Check fee: $3.00 per check
Inactive Account fee: $20.00 per month (Three (3) years inactivity & balance under $100)
Return Item From Other Financial Institutions fee: $15.00 per item
International Item Sent For Collection fee: Actual cost.
Money Order fee: $3.00 per item
Return Mail fee: $20.00 per month
Western Union fee (Domestic Only): $20.00 or actual cost

Electronic Funds Transfer Fees

Nonproprietary ATM Withdrawal/Transfer: FREE
Balance Inquiry fee $1.00 per inquiry
Monthly Transaction fee: None
Initial Checkcard/ATM or Duncan Demon Card Fee: FREE
Replacement Checkcard/ATM Card Fee:
Replacement Duncan Demon Card Fee:
(Lost, stolen, destroyed)
$5.00
$7.50
Account Overdrawn or Negative Balance fee: $25.00 per item
ACH Authorization Revoked fee: $25.00 per item
Home Banking: Free Service
One Time TEL Loan Payment Transaction Fee: $7.50 per payment

Bill Payment Services

Bill Pay Free Service

Share Value

Par Value of one share – over 18 years old
Par Value of one share – 18 years old and under
$25.00
$5.00

Safe Deposit Box Fees

3″h x 5″w x 24″d $15.00
5″h x 5″w x 24″d $25.00
3″h x 10 3/8″w x 24″d $30.00
5″h x 10 3/8″w x 24″d $40.00
10″h x 10 3/8″w x 24″d $60.00
Loss of 1 key (2 new keys) Cost to re-key
Loss of 2 keys (box will need to be drilled lock replaced and new keys) All costs incurred

Additional Fees

Minimum Balance Fee:
(if regular share falls below $25 during the month)
$5.00
Temporary Checks Fee:
(Limit 8 )
$.50 per check
Visa Gift Cards Fee: $3.00
Garnishment or Levy Fee: $20.00 each
Christmas Club Early Withdrawal Fee: $20.00 each

***created by check, in-person withdrawal, ATM withdrawal or other electronic means