Fees
Fee Schedule
The following fees may be assessed against your account.
| Phone transfer/payment with debit or credit card | $15.00 |
| Online or App transfer/payment with debit or credit card | $7.00 |
| ATM/Debit Card Replacement Fee (per card) | $10.00 |
| Low Balance Maintenance Fee (no fee if your average deposit balance is at least $50 or you have a loan or checking account) | $5.00 (monthly) |
| Overdraft and Non-Sufficient Funds (NSF) (per check) | $32.00 |
| Overdraft Transfer Fee from Savings or Line of Credit | $5.00 |
| Stop Payment (per check) | $32.00 |
| Deposited Items Returned (per check) | $15.00 |
| Wire Transfer (Outgoing) Domestic | $15.00 |
| Wire Transfer (Incoming) Domestic | $10.00 |
| Wire Transfer (Outgoing) International | $30.00 |
| Check Printing | (fee depends on style of checks ordered) |
| Check Copy, Account Photocopy or Printout (per page) | $2.00 |
| ATM Transaction Fee with Savings only (per transaction) | $1.00 |
| Savings Account Excess Withdrawal Fee for each withdrawal | $5.00 after 3 per month |
| Secured Checking Monthly Service Fee | $10.00 |
| Gold Checking Monthly service Fee on balance below $1,500 | $5.00 |
| Money Market Account Monthly Service Fee on balance below $2,000 | $10.00 |
| Money Market Account Excessive Withdrawal Fee after 6 per month (checks, transfers, cash, online...) | $10.00 |
| Money Orders; $1,000 maximum check (per check) | $1.00 |
| Christmas & Vacation Club Account Excessive Withdrawal | $25.00 (1 free per year) |
| Garnishments, Executions, Levies (per occurrence) | $51.00 |
| Account Research and Balancing Fee (hourly charge) | $10.00 |
| Cashier Checks (per check) | $5.00 |
| Dormant Account Fee after 24 months of inactivity (per year) | $20.00 |
| Notary Service (non-member) | $1.00 |
“Financial freedom has been transformed with my credit card! The approval process was absolutely easy, quick and stress free. Best of all we can finally make the necessary purchases to build our new life!”
Serving People Who Live & Work In – Banks, Clarke, Dawson, Habersham, Hall, Jackson, Lumpkin, Madison, Oconee, Oglethorpe, Rabun, and White – Northeast Georgia Counties
