Effective April 1, 2024.
Checking Account
- Freedom Checking: $5 per month
- Return Check Charge/NSF Check per Representment: $25 per check
- Checks Manually Paid: $5 per check
- Copy of Paid Check: $5 per check
- Copy of Statement: $5 per month
- Stop Payment of Checks and ACHs: $20 per ck/series
- Check Book Balancing (Research): $25 per hour
- Overdraw Fee: $25 per item
- Standard Checking (Check Order): List Price
- Last Chance Checking (Check Order): List Price
VISA Check Card (Debit Card)
- Debit Card Fee (free with direct deposit): $1 per month
- Freedom Checking: $0.75/ATM withdraw after 10
- Standard Checking: $0.75/ATM withdraw after 6
- Lost Card Fee: $25 per card
- Transfer Fee: $5
- Rush Card: $75
Automated Clearing House (ACH) Fees
- Return Charge per Representment: $25
- Stop payment: $20
- Transfer Fee: $5
Other Service Fees
- Money Business Service: $500 per month
- GAP Insurance: $350
- Visa Gift Card: $3
- Western Union: $25
- International Wire Transfers: $40
- U.S.Wire Transfers: $25
- Inactive Fee (Dormant): $5 per month
(NO activity for 6 months or more) - IRA Annual Account Fee: $15
- IRA Early Withdrawal Fee: $10
- Escheat Fee: $100
- I.R.S. Levy: $75
- Internet Access/Bill Payer Service (nonactive): $4.95
- Cashier Check: $5
- Skip Payment Fee: $30
- Loan Payment Late Fee: 5% Delinquency/Min $5
- Second Mortgage/Home Equity Application Fee: $600
- Mortgage Lien Release: Varies by state
- Subordination of Mortgage Agreement: $75
- Refinance Vehicle Title: Fee Varies by State
- Deposited Check Returned (own account): $25 per item
- Returned Mail Fee : $2 per item
- Bulk Checks, Cashing Fee (10 and up): $25
- Copies: $0.25 each
- Fax (1st 3 pages): $2
- Spirit Advance Loan Fee: $20
Safe Deposit Box
- One Time Set-up Charge: $10
- Annual Rent Fee Depending on Box Size: $15 – $100
- (Box sizes available 3×5, 5×5, 3×10, 5×10, and 10×10)
- Duplicate Key $10
- Drill Box Fee $150