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Fee Schedule

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

Fees effective June 2013


Check Printing .............................................................................................................................Fee varies on style of check ordered
  • Dormant Account Fee..................................................................................................................$1.00
    • An account is dormant if for one year you have made no deposits or withdrawals to the account and the balance is below $50.00 for the entire statement cycle. This fee is charged each month. (This fee applies to Checking, Savings, and MMDA Accounts.
  • Return Item Fee. Insufficient funds, per item returned (No Daily Maximum).................................. $25.00
  • Garnishments/ Executions/ Levies.................................................................................................$50.00
  • Overdrafts. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.
    • Overdrafts, per paid item fee...............................................................................................$25.00
      • (Maximum daily overdraft charge is $125.00; Small Overdrafts: $10.00 and under- no charge)
    • Business Checking Accounts, per paid item fee..................................................................$25.00
      • No Daily Maximum Overdraft Charge.
  • Stop Item Charge, each...................................................................................................................$25.00
  • ATM/Debit Card Monthly Fee...........................................................................................................$1.00
  • Wire Transfers
    • Outgoing (Domestic)..............................................................................................................$20.00
    • Outgoing (Foreign)................................................................................................................$40.00
  • Auto Transfer Plus...........................................................................................................................Free
  • Online Banking with BillPay Option...................................................................................................Free
  • Safe Deposit Box Late Payment Fee, per month (More than fifteen (15) days after due date)......$5.00
  • Returned Mail Fee, each..................................................................................................................$3.00
  • Returned Deposited Items- Chargeback Fee, each.........................................................................$2.00
  • Commercial Customers Special Handling of Return Deposited Item Fee, each................................$20.00
    • Returned deposited items to be sent to Federal Reserve Bank at Cleveland
  • Canadian Item Charge, each.............................................................................................................$20.00
  • Negative Balance Closing Fee..........................................................................................................$25.00
    • When the amount of the negative balance is over $100.00 there will be a negative balance closing fee.
  • Excessive Withdrawal Fee, each.....................................................................................................$5.00
    • Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings or money market accounts to a maximum combined total of six (6) per month or monthly statement period. An Excessive Withdrawal Fee may apply for each transaction that exceeds the limits. Please refer to your account agreement for details.

We may not requre less than seven (7) days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.