Personal Checking Facts and Fees

No surprises here—we’ve laid out all the facts and fees associated with our Personal Checking Account so you know exactly what you’re getting when you sign up.

Facts        Fee
Monthly Service Fee
Some accounts require a monthly fee–not this one.
Overdraft Item/Non-sufficient Funds Fee
We’ll charge this to you if we pay for a transaction that you made but couldn’t pay for due to insufficient funds
$35.00 per item
Return Item Fee
A return item fee is charged when we must return a transaction you’ve made (i.e. a check you’ve written from an account with insufficient funds)
$35.00 per item
Return Deposited Item Fee
This fee is charged if a check you have deposited is returned unpaid
$10.00 per item
Stop Payment Fee
If you request a payment not to be paid 
Dormant Account Fee
If the activity in your account has slowed (i.e. you haven’t logged in or made a transaction in 24 months)
Account Services  
Cashier’s Check Fee (customers only)
A check that’s guaranteed by our bank
Account Reconciliation Assistance
What we charge to help you balance your checkbook
$30.00 per hour ($30 minimum charge)
Account Research
What we charge if you request us to research your account
$30.00 per hour plus costs ($30 minimum charge)
Debit or ATM Card Replacement
Replace your card for a small fee
Rush Order for Debit or ATM Card
If you need a new Debit or ATM Card rush ordered
Non-AAA ATM Usage
$3.50 per transaction
Foreign Currency Conversion 2%*
Wire Transfers
Another way to send money from one account to another
Wire Transfer Fee (incoming, domestic) $0.00
Wire Transfer Fee (outgoing, domestic) $25.00
Wire Transfer Fee (incoming, international) $0.00
Wire Transfer Fee (outgoing, international) $35.00

*We may charge an international service fee equal to 2% of the amount of the transaction on any international transaction, such as a withdrawal from an ATM outside the United States, or an internet purchase from a foreign merchant. This fee applies regardless of whether the transaction occurs in U.S. Dollars.