Fee Schedule

Fee Schedule
Check Printing (fee depends on
style of check ordered)
Counter Checks $ 0.10
Nonsufficient funds (NSF & Overdraft Privilege) *
Item (each check of item paid or returned)
Nonsufficient Funds (NSF & Overdraft Privilege) *
ACH (preauthorized withdrawal)
Uncollected Funds (NSF & Overdraft Privilege) *
(Check paid from uncollected funds)
Nonsufficient Funds (Overdraft Privilege) *
Over- the- Counter Withdrawal
Nonsufficient Funds (NSF & Overdraft Privilege) *
ATM/Debit Card Withdrawal
Collection Fee (charged off checking account balances) $30.00
Account Activity printout $15.00
Account Research $15.00 per hour
Account Balancing Assistance $15.00 per hour
Stop Payments (each check of item) $25.00
Wire Transfers
Outgoing $20.00
Incoming $10.00
International Wires $50.00
Items sent for collection $60.00 minimum
Return Check Charge $10.00
Cashier’s checks and teller checks
(Free to Club Accounts) For non-Club Accounts
Value of check applies
$ 5.00
Notary Service
(Free to customers)
Non-Customer Fee
$ 5.00
Debit Card Replacement (free for Club Accounts, up to
two cards per year, per account)
$ 8.00
ATM Fees per transaction at foreign machines $ 1.00
TN Escheat Fee $25.00
Bill Pay Research Request $30.00
Bill Pay NSF Fees * $53.00
Bill Pay Stop Payment Fee $25.00
Bill Pay Expedited Overnight Check Payment $25.00
Bill Pay Expedited Electronic Payment $ 6.00
Garnishments and Levies $25.00
Dormant Account
(if no customer initiated activity for 24 months on
checking and savings accounts) per cycle
if balance at end of cycle is less than $100.00
$ 5.00
Savings accounts
(fee if balance falls below $100.00 on any
one day in cycle)
$ 3.00
Smart Choice Club Account Per Month $ 5.00
Golden Choice Club Account Per Month $ 4.00
Free Choice Checking $ 0.00
Basic Checking Per Month
(fee if minimum requirements are not met)
$ 8.00
Paper statement charge
(monthly for checking, quarterly for savings)
$ 4.00
Account close fee (if closed within 6 months of opening) $ 10.00

* Overdraft or NSF charges may be assessed on any overdraft or non sufficient item created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Click here for our Complete Disclosure on Overdraft Privilege.