Schedule of Consumer Fees & Service Charges

Effective 1/14/2025

All fees and service charges are subject to change. We'll mail you a notice 30 days before any increase in fees takes effect.

Checking Accounts

*Free Checking
Initial Deposit	$25
No Minimum Balance Service Charge
Rewards Checking
Initial Deposit	$25
Includes Rewards
Service Charge	$6 Per Month
Premium Rewards Checking
Initial Deposit	$25
Includes Premium Rewards
Service Charge	$9 Per Month
Interest Checking^†
Initial Deposit	$25
Includes Premium Rewards
Minimum Balance to Waive Service Charge	$5,000 daily balance or a $50,000 balance in related accounts
Service Charge	$12
No Minimum Balance to Earn Interest
Fresh Start (BankOn Certified)
Not eligible for checks or starter checks
Initial Deposit	$25
Service Charge	$4 Per Month

Savings & Money Market

Money Market^†
Initial Deposit	$25
Minimum Balance to Waive Service Charge	$1,000
Service Charge	$10 Per Month
Minimum Balance to Earn Interest	$1,000
High Yield Money Market^†
Promotion may be discontinued at any time
Not Available for IRAs or Business Clients
Initial Deposit	$25
Minimum Balance to Waive Service Charge	$1,000
Service Charge	$10 Per Month
No Minimum Balance Service Charge
Savings^†
Initial Deposit	$25
Minimum Balance to Waive Service Charge	$100
Service Charge	$3 Per Month
Minimum Balance to Earn Interest	$100
Start Savings^†
Requires a checking account to open.
Initial Deposit	$25
No Minimum Balance Service Charge
No Minimum Balance to Earn Interest
Minor Savings^†
No Minimum Balance Service Charge - Under Age 18
Initial Deposit	$10
Minimum Balance to Earn Interest	$10
Save at School Savings^†
Only available to elementary school aged minors part of an active Save at School program
Initial Deposit	$5
Minimum Balance to Waive Service Charge	$5

Overdraft Services

Overdraft Protection^***
Funds transfer from another account in case of an overdraft. Setup required.
Setup Fee	No Fee
Overdraft Transfer Fee	No Fee
Overdraft Line of Credit^****
Funds transfer from line of credit in case of an overdraft.
Setup Fee	$33 Credit Report Fee
Overdraft Transfer Fee	No Fee

In Person Payments

Cashier's Checks
Cashier's Checks	$8 Per Check
Collections and Foreign Check Processing
All Check Collections	$50 Per Collection
Canadian Check Processing	$10 Per Presentment
All Other Foreign Check Processing	$30 Per Presentment
External Transfers
Must be scheduled by 9:30am PT for same day guarantee
Pre-Authorized Transaction - Same Day	$10 Per Transfer
Wire Transfers
Incoming	$15 Per Wire
Outgoing—Domestic	$25 Per Wire
Outgoing—International	$45 Per Wire

Other Fees & Services

Card Replacement—Standard Service	$5 Per Card
Card Replacement—Expedited Service	$40 Per Card
Check Images with Monthly Statement	$5 Per Month
Inactive Account Fee—Checking only Assessed after 270 days without activity	$5 Per Month
Legal Processing	$75 Per Occurrence
Loan Payment—Returned Check Fee	$20 Per Presentment
Nonsufficient Funds Fee (NSF)
ATM or Everyday Debit Card Transactions	No Fee
Insufficient Funds Charge (Returned)	$30 Per Presentment^§
Insufficient Funds Charge (Paid)	$30 Per Presentment^§
Daily Maximum	3/day or $90
NSF Daily Maximum	3 or $90 per day
Research Fee (1 Hour Minimum)^‡	$30 Per Hour
Box Availability** Safe deposit box size and availability vary by location. Please ask a branch representative for a quote.
Safe Deposit Box Key Deposit	$20
Safe Deposit Box Drilling	Varies by Location
Stop Payment	$30 Per Check
VISA International Transaction Fee	1% Per Transaction

*Nonsufficient Funds Fees may apply.

**Safe Deposit Box Annual Rent Schedule available upon request.

***Overdraft Protection covers checks, automatic payments and recurring payments, as long as funds are available in the linked account to cover the transaction.

****Overdraft Line of Credit covers checks, ATM withdrawals, debit card purchases, automatic payments, and recurring payments, up to credit limit.

^†Interest is compounded daily and paid monthly.

^‡Assessed only if request will take at least one hour. Includes cost for statement, deposit ticket and/or check copies.

^§Presentment refers to items such as checks and electronic (ACH) transactions.