Fee Schedule as of January 1, 2026
| Account Type | Minimum Daily Balance | Monthly Service Charge | Items Per Month | Cost Per Item In Excess | Minimum Balance to Earn Interest | Visa Check Card $15 Annual Fee |
|---|---|---|---|---|---|---|
| E Account* | N/A | FREE* | N/A | N/A | N/A | Free |
| Basic Personal Checking | N/A | $6.25 | 20 Checks | $0.25 | N/A | Yes |
Basic Non-Personal Checking ** | N/A | $6.25 | 20 Checks | $0.25 | N/A | Yes |
Hometown Checking | N/A | $9.00 | N/A | N/A | $1,000.00 | Yes |
| Hometown 50 Checking | $100.00 | $11.00 | N/A | N/A | $1,000.00 | Yes |
Premier Checking | $500.00 | $10.00 | 20 Checks | $0.25 | $500.00 | Yes |
| Business Interest Checking | $500.00 | $10.00 | 20 Checks | $0.25 | $500.00 | Yes |
| Money Market Personal (2) | $1,000.00 | $14.00 | 6 DEP & 6 W/D | $1.00 | $1,000.00 | N/A |
| Money Market Non-Personal (2) | $2,500.00 | $24.00 | 6 DEP & 6 W/D | $1.00 | $2,500.00 | N/A |
| Savings (1, 2, 3) | $250.00 | $4.50 | 6 W/D | $3.00 | $20.00 | ATM Only |
Account Type
E Account*
N/A
Basic Personal Checking
N/A
Basic Non-Personal Checking **
N/A
Hometown Checking
N/A
Hometown 50 Checking
$100.00
Premier Checking
$500.00
Business Interest Checking
$500.00
Money Market Personal (2)
$1,000.00
Money Market Non-Personal (2)
$2,500.00
Savings (1, 2, 3)
$250.00
Minimum Daily Balance
E Account*
FREE*
Basic Personal Checking
$6.25
Basic Non-Personal Checking **
$6.25
Hometown Checking
$9.00
Hometown 50 Checking
$11.00
Premier Checking
$10.00
Business Interest Checking
$10.00
Money Market Personal (2)
$14.00
Money Market Non-Personal (2)
$24.00
Savings (1, 2, 3)
$4.50
Monthly Service Charge
E Account*
N/A
Basic Personal Checking
20 Checks
Basic Non-Personal Checking **
20 Checks
Hometown Checking
N/A
Hometown 50 Checking
N/A
Premier Checking
20 Checks
Business Interest Checking
20 Checks
Money Market Personal (2)
6 DEP & 6 W/D
Money Market Non-Personal (2)
6 DEP & 6 W/D
Savings (1, 2, 3)
6 W/D
Items Per Month
E Account*
N/A
Basic Personal Checking
$0.25
Basic Non-Personal Checking **
$0.25
Hometown Checking
N/A
Hometown 50 Checking
N/A
Premier Checking
$0.25
Business Interest Checking
$0.25
Money Market Personal (2)
$1.00
Money Market Non-Personal (2)
$1.00
Savings (1, 2, 3)
$3.00
Cost Per Item In Excess
E Account*
N/A
Basic Personal Checking
N/A
Basic Non-Personal Checking **
N/A
Hometown Checking
$1,000.00
Hometown 50 Checking
$1,000.00
Premier Checking
$500.00
Business Interest Checking
$500.00
Money Market Personal (2)
$1,000.00
Money Market Non-Personal (2)
$2,500.00
Savings (1, 2, 3)
$20.00
Minimum Balance to Earn Interest
E Account*
Free
Basic Personal Checking
Yes
Basic Non-Personal Checking **
Yes
Hometown Checking
Yes
Hometown 50 Checking
Yes
Premier Checking
Yes
Business Interest Checking
Yes
Money Market Personal (2)
N/A
Money Market Non-Personal (2)
N/A
Savings (1, 2, 3)
ATM Only
- *E ACCOUNTS TRANSACTIONS PERFORMED ACROSS THE TELLER LINE WILL INCUR A $5.00 PER TRANSACTION FEE.
- **BASIC NON-PERSONAL CHECKING HAS NO SERVICE CHARGE IF THE DAILY BALANCE IS OVER $10,000 or $20,000 AVERAGE DAILY BALANCE.
- PREMIER ACCOUNTS AND BUSINESS INTEREST CHECKING ACCOUNTS THAT FALL BELOW $500.00 ARE ASSESSED A FEE OF $.25/DEPOSIT AND S0.25/CHECK
- ALL ACCOUNTS INCLUDE FREE ONLINE BANKING AND FREE ONLINE BILL PAY.
- OPTING OUT OF E-STATEMENT ELIGIBLE ACCOUNTS WILL IMPOSE AN INCREASED MONTHLY FEE.
- SAVINGS ACCOUNTS THAT ARE CLOSED WITHIN 6 MONTHS OF ACCOUNT OPENING ARE ASSESSED A $10.00 EARLY CLOSURE FEE.
- A MAXIMUM OF 2 DEBIT CARDS PER $15 ACCOUNT FEE. A $15 FEE WILL BE ASSESSED FOR EACH ADDITIONAL CARD ISSUED
- CHRISTMAS CLUB AND VACATION CLUB ACCOUNTS CLOSED PRIOR TO CLUB PAYOUT ARE ASSESSED A $10.00 EARLY CLOSURE FEE.
- • 1 BILL PAY NOT AVAILABLE WITH THIS PRODUCT.
- • 2 OVERDRAFT PROTECTION NOT AVAILABLE WITH THIS PRODUCT.
- • 3 ONLY AN ATM CARD IS PERMITTED ON THIS ACCOUNT TYPE.
Fee Schedule for all Accounts as of January 1, 2026
| Fee Schedule | |
|---|---|
| Returned Nonsufficient Funds Item | $33.00 |
| Paid Nonsufficient Funds Item | $34.00 |
| Recurring Overdraft Fee | $9.00 Every 3rd Business Day |
| Charge Back Check | $15.00 Per Check |
| Stop Payment Order | $26.00 |
| Paper Statement Fee | $2.50 |
| Interim Statement | $5.00 |
| Check or Statement Reproduction | $6.00 |
| Research | $18.00 Per Hour |
| Checking Account Reconcilement | $18.00 Per Hour |
| Collection Items | $18.00 Per Item |
| Cashier's Checks | $6.00 Per Check (50% Discount for Hometown Customers) |
| Money Orders | $5.00 Per Check (50% Discount for Hometown Customers) |
| Wire Transfers | $25.00 Incoming $30.00 Outgoing |
| ATM Fees | Star ® $0.75 Per Transaction Cirrus or Visa® $1.75 Per Transaction |
| Night Depository 1 Bag & Keys | $15.00 Zippered or $20 Locked Per Year |
| Garnishments or Tax Levies | $25 Per Transaction |
| Replacement Cards (Visa® Debit) | $8.00 Per Card |
| Telephone Transfers | $4.00 Per Transaction |
