Fee Schedule
These Rates are effective May 1, 2019. All prices are subject to change.
ATM Charges
| ATM/Debit MasterCard® |
Fees |
|---|---|
| First Card | No Charge |
| First Replacement Card | No Charge |
| Additional Replacement Cards | $10 |
| Withdrawal at our ATM | No Charge |
| Balance Inquiry at our ATM | No Charge |
| Withdrawal at Foreign ATM | $2 per withdrawal |
| Balance Inquiry at Foreign ATM | $2 per inquiry |
Misc. Fees and Charges
| Service | Fees |
|---|---|
| Account Closing | $25 if closed within 180 days of account opening |
| Negative Balance Closeout Fee | $25 per account for charging off a negative balance in excess of $100 |
| Cashier's Checks (per check) | $5 |
| Coin Counting | |
| Customer | No charge |
| Non-Customer | 10% of coin total |
| Collection Fees | |
| Incoming | $15 per item |
| Outgoing | $15 per item |
| Bond Coupon | $8 per envelope |
| Copies | |
| Checks | $2 for each copy over two per month |
| Statement | $2 per statement |
| Other | $0.25 per copy |
| Custom Services (Fee per hour) | $25 per hour, $12.50 minimum |
|
Deposit Items Returned Fee
|
|
| Fee per item | $5 |
| Special Handling | $2 per additional item |
| Dormant Service Charge | |
| Checking | $5 per month if inactive for 1 year & balance is $500 or less |
| Savings | $3 per month if inactive for 2 years & balance is $100 or less |
| Drafts | |
| Incoming | $3 per draft |
| Outgoing | $3 per draft |
| Fax | |
| Local | $0.50 per page |
| Long Distance | $1 per page |
| Garnishment/Levy Per Order | $100 |
| Gift Card (VISA®) Per Card | $3 |
| Money Orders Per Money Order | $3 |
| Night Deposit Service |
|
| Zipper Bag | $5 per bag |
| Lock Bag | $20 per bag |
| Notary Service |
|
| Customer | No Charge |
| Non-Customer | $2 per signature |
| NSF (Non-Sufficient Funds)* | |
| Bounce Protection Paid Item Fee | $30 |
| NSF Paid or Return Item Fee | $30 |
| Continuous Overdraft | $5 per day after 5 business days |
| Online Banking | |
| Online Banking | No Charge |
| Bill Pay | No Charge |
| e-Statements | No Charge |
| Return Mail | |
| Per Account | $3 for processing return mail |
| Statements | |
| Special Handling | $5 per monthly statement |
| Temporary | $2 per statement |
| Stop Payment Fee | |
| Each Stop Payment | $30 |
| Telephone Transfer | |
| Each Transfer | $2 |
| Customer Wire Transfers | |
| Incoming | $10 |
| Outgoing | $30 |
| International | $55 |
*Based on current regulation, effective August 1, 2022, the Deposit Account Agreement terms have been amended as follows:
NON-SUFFICIENT FUNDS AND OVERDRAFTS
HOW WE DECIDE TO PAY AN ITEM OR DEBIT. We use an available balance method to determine if there are sufficient funds in your account to pay an item or debit transaction. The available balance reflects deposits and transactions that have been posted to your account, such as checks you have written, and transactions that have been authorized but not yet posted (i.e., pre-authorization holds). These pending transactions and holds reduce your available balance. For example, you have $100 in your account and a pending transaction of $30. Your available balance is $70 because the pending $30 transaction reduces your available account balance.
HOW WE ASSESS FEES. If there are insufficient funds to a pay a debit transaction or item based on your available balance, we may either: 1) return the debit or item or 2) pay the debit or item at our discretion. We may charge you fees if we return the debit or item or pay the debit or item on your behalf.
RETURN ITEM FOR NON-SUFFICIENT FUNDS. If we do not pay the debit transaction or item on your behalf and return the debit or item, we may charge you non-sufficient funds fees. 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.
OVERDRAFTS. If we pay the debit transaction or item on your behalf, you will be responsible for the overdrawn balance, and we may charge you overdraft fees. As discussed above, subsequent pending transactions and holds impact your available balance, which may cause your account to become overdrawn and subject to overdraft fees. For example, you have $100 in your account. You use your debit card at a gas station and a pre-authorization hold of $60 is placed on your account because the amount of the transaction is not known at the time of authorization even though your gas was only $50. The authorization hold reduces your available account balance to $40. You then spend $50 on groceries. If we pay this debit on your behalf, you will be responsible for paying the overdrawn balance, and we may charge you overdraft fees. See Service Fees brochure for additional fees and charges.
HOW WE DECIDE TO PAY AN ITEM OR DEBIT. We use an available balance method to determine if there are sufficient funds in your account to pay an item or debit transaction. The available balance reflects deposits and transactions that have been posted to your account, such as checks you have written, and transactions that have been authorized but not yet posted (i.e., pre-authorization holds). These pending transactions and holds reduce your available balance. For example, you have $100 in your account and a pending transaction of $30. Your available balance is $70 because the pending $30 transaction reduces your available account balance.
HOW WE ASSESS FEES. If there are insufficient funds to a pay a debit transaction or item based on your available balance, we may either: 1) return the debit or item or 2) pay the debit or item at our discretion. We may charge you fees if we return the debit or item or pay the debit or item on your behalf.
RETURN ITEM FOR NON-SUFFICIENT FUNDS. If we do not pay the debit transaction or item on your behalf and return the debit or item, we may charge you non-sufficient funds fees. 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.
OVERDRAFTS. If we pay the debit transaction or item on your behalf, you will be responsible for the overdrawn balance, and we may charge you overdraft fees. As discussed above, subsequent pending transactions and holds impact your available balance, which may cause your account to become overdrawn and subject to overdraft fees. For example, you have $100 in your account. You use your debit card at a gas station and a pre-authorization hold of $60 is placed on your account because the amount of the transaction is not known at the time of authorization even though your gas was only $50. The authorization hold reduces your available account balance to $40. You then spend $50 on groceries. If we pay this debit on your behalf, you will be responsible for paying the overdrawn balance, and we may charge you overdraft fees. See Service Fees brochure for additional fees and charges.
If you have any questions, please visit your local branch or call 816-358-5000.
Safe Deposit Boxes
| Box Size | Standard Fee | Discounted Fee with Auto-Pay |
|---|---|---|
| 3 x 5 | $30 | $25 |
| 5 x 5 | $40 | $35 |
| 3 x 10 |
$50 | $45 |
| 5 x 10 |
$70 | $65 |
| 8 x 10 |
$80 | $75 |
| 10 x 10 |
$90 | $85 |
$10 Key Deposit
$125 Non-Emergency Drill
$150 Emergency Drill
Not all sizes available at all locations.
$125 Non-Emergency Drill
$150 Emergency Drill
Not all sizes available at all locations.