Fee Schedule
Updated 1/3/2024
FEES AND CHARGES. The following fees and charges may be assessed against your account:
Check printing fees vary by the style of the check ordered.
An overdraft fee of $29.00 will be charged per item for covering overdrafts created by check or draft, in-person withdrawal, ATM withdrawal, or other electronic means.
| Negative Balance Fee | $29.00 on the 5th business day |
| International Debit Card Usage Fee for ATM Withdrawals and Purchases – Based on U.S. dollar value of transaction, will vary depending on nation where transaction is completed | 0.80% to 1.20% |
| Account Reconciliation Fee (per hour) | $20.00 |
| ATM/Debit Card Expedited Delivery Fee | $50.00 |
| ATM/Debit Card Replacement Fee (per card) | $5.00 |
| Canadian Check Deposit Fee (checks drawn on Canadian banks, payable in CAD funds) | 1.000% of face value in USD |
| Cashier Check | $8.00 |
| Closed Account Fee (per account opened less than 6 months) | $25.00 |
| Counter Check Fee (per check) | $1.00 |
| EFT Withdrawal Fee (per withdrawal, transfer or balance inquiry at a non-proprietary electronic facility) | $2.50 |
| Escheatment Fee (per account turned over to NYS as abandoned property) | $75.00 |
| Legal Processing Fee (for each response to a tax levy, a subpoena or an order providing for restraint, attachment, garnishment or execution) | $100.00 |
| Loose Coin Processing (amounts greater than $50.00) | 5.000% of total |
| Photocopy Fee (per copy of check issued through our bill pay service; does not apply to electronic payments) | $15.00 |
| Photocopy Fee (per copy of check written on your account, a statement for your account or another item relating to your account) | $0.25 |
| Protest Fee (per check) | $25.00 |
| Research Fee (per hour) | $25.00 |
| Return Item Fee (per item) | $15.00 |
| Safe Deposit Box Drilling | $250.00 |
| Safe Deposit Key Replacement | $25.00 |
| Statement Request Fee (non-scheduled; per request) | $5.00 |
| Statements with Incorrect Address (returned more than once) | $5.00 |
| Stop Payments Placed Through Online Banking | $25.00 |
| Stop Payments Placed Via Phone or In-Person | $37.00 |
| Telephone Transfer Fee (per request through our customer service representative) | $1.00 |
| Transfer of All Account Funds (to another depository institution) | $15.00 |
| Transfer Request to Another Depository Institution (made by us at your request to collect the proceeds of an account with that institution) | $15.00 |
| Wire Transfer Fee (domestic – incoming) | $20.00 |
| Wire Transfer Fee (domestic – outgoing) | $28.00 |
| Wire Transfer Fee (international) | $60.00 |
