Couple looking over a bank statement and expenditures.

Fee Schedule

These Rates are effective May 1, 2019. All prices are subject to change.
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
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.
 
If you have any questions, please visit your local branch or call 816-358-5000.
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.