Deposit Rates

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Rates are accurate as of 11/19/2018 and subject to change at any time.

Balance Dividend Rate Annual Percentage Yield (APY)51 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$100.00 and over 0.05% 0.05% $5.00 $100.00 and over $5.00 Monthly Monthly

Balance Dividend Rate Annual Percentage Yield (APY)9 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$2,500 to $49,999.99 0.59% 0.60% $2,500.00 $2,500 - $49,999.99 $10,000 Monthly Monthly
$50,000 to $99,999.99 0.69% 0.70% $2,500.00 $50,000 - $99,999.99 $10,000 Monthly Monthly
$100,000 and over 0.84% 0.85% $2,500.00 $100,000 and over $10,000 Monthly Monthly

Balance Dividend Rate Annual Percentage Yield (APY)51 Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Dividends Compounded and Credited Dividend Period
$100.00 and over 0.05% 0.05% $5.00 $100.00 and over $5.00 Monthly Monthly

Fees

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Fees are accurate as of 11/19/2018 and subject to change at any time.

Fee Description Fee Amount
Business Savings Account Excessive Item Fee

$0.25 per item over 6 per month32

Business Essential Checking Account Service Fee

$7.00 per month if minimum balance is not maintained

Business Essential Checking Account Excessive Item Fee

$0.25 per item over 150 per month32

Business Edge Checking Account Service Fee

$25.00 per month if minimum balance is not maintained

Business Edge Checking Account Excessive Item Fee

$0.25 per item over 250 per month32

Business Money Market Account Service Fee

$10.00 per month if minimum balance is not maintained

Business Money Market Account Excessive Withdrawal Fee

$10.00 per withdrawal over 6 per month (no more than 3 by check)

Organization Savings Account Excessive Item Fee

$0.25 per item over 6 per month32

Organization Checking Account Excessive Item Fee

$0.25 per item over 100 per month32

Fee Description Fee Amount
Card Replacement Fee $5.00 per card
Overdraft Transfer Fee $5.00 per transfer
Courtesy Pay Fee $30.00 per paid item
Insufficient Funds (NSF) Fee

$30.00 per item

Stop Payment Fee $30.00 per item
Third Party Return Deposit Item (RDI) Fee $10.00 per item
First Party Return Deposit Item (RDI) Fee $30.00 per item
Invalid MICR Line Processing $2.00 per item
Temporary Checks $4.00 per sheet of 8 checks
Foreign (Non-First Service) ATM Fee

$2.00 per item

Items Sent for Collection $10.00 per item for foreign and domestic plus bank fees
Domestic Wire Transfer Fee (in Online Banking) $15.00
Domestic Wire Transfer Fee (Walk-In) $20.00
Foreign Wire Transfer Fee (in Online Banking) $40.00
Foreign Wire Transfer Fee (Walk-In) $45.00 plus any corresponding bank charges
Cashier's Check $3.00 per check
Travel Check $9.50 per item
Reloadable Card $3.95 each
Gift Card $3.95 each
Paper Statement Processing Fee $3.00 per statement
Statement Copy Fee $2.50 per statement
Check Copy Fee $3.00 per item
Account Activity Printout $3.00 per printout
Account Reconciliation $22.00 per hour
Account Research $20.00 per hour
Dormant / Inactive Account Fee (For Members with Paid-Off Indirect Loans)

$5.00 per month

Notary Service (Non-Members)

$6.00

IRA Transfer Fee

$5.00

Account Closure Fee $15.00 per account if closed within 6 months of opening
Returned Mail / Bad Address Fee $5.95 per month
Verification of Deposit Requests $2.00 per completed form
Check Cashing Fee (Members) 2% of check amount (fee waived with minimum $250 aggregate account balance or loan)
Check Cashing Fee (Non-Members) 2% of total check amount or $10.00 whichever is greater (includes checks drawn from First Service accounts)
Change / Rolled Coin Order $2.50
Coin Exchange / Coin Machine Fee (Members) 3% of total amount of coins exchanged
Coin Exchange / Coin Machine Fee (Non-Members) 5% of total amount of coins exchanged
Service Center Assisted Phone Requests $2.00 per call over 2 per month (not applicable to members age 70 or over)
Business Remote Desktop Deposit

$50.00 per month

Business Sweep Services

$50.00 per month

Business Zero Balance Service

$40.00 per month

Fee Description Fee Amount
Business Analysis Account Maintenance Fee

$19.00 per month

Uncollected Funds Charge

2% of pending amount

Insufficient Funds (NSF)

$30.00 per item

Returned Deposited Item

$10.00 per item

Stop Payment

$30.00 per item

Incoming Domestic Wire Transfer

$15.00

Outgoing Domestic Wire Transfer

$25.00

International Wire Transfer

$50.00

Cashier's Check

$3.00 per check

Remote Desktop Deposit

$50.00 per month

Sweep Service

$50.00 per month

Zero Balance Service

$40.00 per month

ATM/Debit Card Transactions

$0.20 per item

ACH/Electronic Debits

$0.20 per item

Cash Withdrawals

$0.20 per item

In-Branch Deposits

$0.25 per item

ACH Credits/Deposits

$0.15 per item