We’re not into keeping the details hidden behind a curtain. That’s why we’ve laid out all the facts and fees associated with our High-Yield Checking Account.
Facts |
Fee |
Monthly service Fee Some accounts require a monthly fee–not this one. | $0 |
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 | $33.00 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) | $33.00 per item |
Return Deposited Item Fee This fee is charged if a check you have deposited is returned unpaid | $10.00 per item |
Continuous Overdraft Fee This fee is charged if your account is overdrawn and you don’t replenish the credited funds in a timely manner | $5 after 3 business days; $5.00/day thereafter |
Stop Payment Fee If you request a payment not to be paid | $33.00 |
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) | $5.00/month |
Early Account Closure If you close your account within the first 6 months, you’ll be charged this fee | $30 plus forfeiture of opening premium |
Account Services |
Cashier’s Check Fee (customers only) A check that’s guaranteed by our bank | $5.00 |
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 | $10.00 |
Rush Order for Debit or ATM Card If you need a new Debit or ATM Card rush ordered | $35.00 |
Foreign ATM Usage
| $3.00 per transaction** |
Foreign Currency Conversion
| 2%* |
**To qualify must make at least 12 debit card purchases of $5 or more, make one direct deposit or Automated Clearing House (ACH) payment of at least $200 and receive electronic statements each cycle month. There is no penalty for not qualifying in a given cycle.
*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 (for example, an internet purchase from a foreign merchant). This fee applies regardless of whether the transaction occurs in U.S. Dollars.