Deposit Rates

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Rates are accurate as of 07/27/2020 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
$100,000.00 to $249,999.99 0.40% 0.40% $2,500.00 $100,000.00 - $249,999.99 $10,000.00 Monthly Monthly
$2,500.00 to $24,999.99 0.20% 0.20% $2,500.00 $2,500.00 - $24,999.99 $10,000.00 Monthly Monthly
$25,000.00 to $49,999.99 0.30% 0.30% $2,500.00 $25,000.00 - $49,999.99 $10,000.00 Monthly Monthly
$250,000.00 and above 0.49% 0.50% $2,500.00 $250,000.00 and above $10,000.00 Monthly Monthly
$50,000.00 to $99,999.99 0.35% 0.35% $2,500.00 $50,000.00 - $99,999.99 $10,000.00 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 07/27/2020 and subject to change at any time.

Fee Description Fee Amount
Premium Business Checking Account Service Charge

$7.00 per month if minimum balance is not maintained or not enrolled in Merchant Services, Payroll Management, or Remote Desktop Deposit81

Premium Business Checking Account Excessive In-Branch Item Charge

$0.25 per in-branch item over 150 per month82

Business Money Market Account Service Charge

$10.00 per month if minimum balance is not maintained

Organization Checking Account Excessive Item Service Charge

$0.25 per item over 100 per month32

Fee Description Fee Amount
Card Replacement Service Charge

$5.00 per card

Overdraft Transfer Service Charge

$5.00 per transfer

Courtesy Pay Service Charge

$30.00 per paid item

Insufficient Funds (NSF) Service Charge90

$30.00

Stop Payment Service Charge

$30.00 per item

Third Party Return Deposit Item (RDI) Service Charge

$10.00 per item

First Party Return Deposit Item (RDI) Service Charge

$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 Service Charge

$2.00 per item

Items Sent for Collection

$10.00 per item for foreign and domestic plus bank service charges

Domestic Wire Transfer Service Charge (in Online Banking)

$15.00

Domestic Wire Transfer Service Charge (Walk-In)

$20.00

Foreign Wire Transfer Service Charge (in Online Banking)

$40.00

Foreign Wire Transfer Service Charge (Walk-In)

$45.00 plus any corresponding bank charges

Cashier's Check $3.00 per check
Travel Card

$9.50 per item

Reloadable Card $3.95 each
Gift Card $3.95 each
Paper Statement Processing Service Charge

$3.00 per statement

Statement Copy Service Charge

$2.50 per statement

Check Copy Service Charge

$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 Service Charge (For Members with Paid-Off Indirect Loans)

$5.00 per month

Notary Service (Non-Members)

$6.00

IRA Transfer Service Charge

$5.00

Account Closure Service Charge

$15.00 per account if closed within 6 months of opening

Returned Mail / Bad Address Service Charge

$5.95 per month

Verification of Deposit Requests $2.00 per completed form
Check Cashing Service Charge (Members)

2% of check amount (service charge waived with minimum $250 aggregate account balance or loan)

Check Cashing Service Charge (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 Service Charge (Members)

3% of total amount of coins exchanged

Coin Exchange / Coin Machine Service Charge (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 Service Charge

$19.00 per month

Uncollected Funds Charge

2% of pending amount

Insufficient Funds (NSF) Service Charge90

$30.00

Returned Deposited Item Service Charge

$10.00 per item

Stop Payment Service Charge

$30.00 per item

Incoming Domestic Wire Transfer Service Charge

$15.00

Outgoing Domestic Wire Transfer Service Charge

$25.00

International Wire Transfer Service Charge

$50.00

Cashier's Check Service Charge

$3.00 per check

Remote Desktop Deposit Service Charge

$50.00 per month

Sweep Service Charge

$50.00 per month

Zero Balance Service Charge

$40.00 per month

ATM/Debit Card Transaction Service Charge

$0.20 per item

ACH/Electronic Debit Service Charge

$0.20 per item

Cash Withdrawal Service Charge

$0.20 per item

In-Branch Deposit Service Charge

$0.25 per item

ACH Credit/Deposit Service Charge

$0.15 per item