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PERSONAL ACCOUNTS

Fee TypeFee Amount

Savings Accounts (Personal & Online)

ACH Returned Item Fee$27
Transactional Savings Monthly Fee$10

Workers Money Market Checking

Maintenance Service Charge

(Minimum daily balance required to avoid maintenance service charge per statement cycle is $10,000.)
$7
Returned Check Charge (ACH)$27
NSF Returned Item$27
Insufficient Funds Charge (ACH, EOD, Paid/Returned)$27
Stop Payment Fee$27
Stop Payment of Money Order/Official Check$27

Money Market

Maintenance Service Charge

(Minimum daily balance required to avoid maintenance service
charge per statement cycle is $500.)
$5
Returned Check Charge (ACH)$27
NSF Returned Item$27
Insufficient Funds Charge (ACH, EOD, Paid/Returned)$27
Stop Payment Fee$27
Stop Payment of Money Order/Official Check$27

High Interest Checking

Maintenance Service Charge

(No minimum daily balance requirements.)
$0
Returned Check Charge (ACH)$30
NSF Returned Item$30
Insufficient Funds Charge (ACH, EOD, Paid/Returned)$30
Stop Payment Fee$30
Stop Payment of Money Order/Official Check$30

Free Checking and Simple Checking

Monthly Service Charge

(No minimum daily balance requirements.)
$0
Returned Check Charge (ACH)$27
NSF Returned Item$27
Insufficient Funds Charge (ACH, EOD, Paid/Returned)$27
Stop Payment Fee$27
Stop Payment of Money Order/Official Check$27

BUSINESS ACCOUNTS

Fee TypeFee Amount

Business Savings Accounts

ACH Returned Item Fee$27

Business Money Market

Maintenance Service Charge

(Minimum daily balance required to avoid maintenance service charge per statement cycle is $500.)
$5
Returned Check Charge (ACH)$27
NSF Returned Item$27
Insufficient Funds Charge (ACH, EOD, Paid/Returned)$27
Stop Payment Fee$27
Stop Payment of Money Order/Official Check$27

Business Checking

Maintenance Service Charge per Statement Cycle$0
Transaction2 charges per statement cycle:
       >First 400Free
       >401 or more$0.25/each
Returned Check Charge (ACH)$27
NSF Returned Item$27
Insufficient Funds Charge (ACH, EOD, Paid/Returned)$27
Stop Payment Fee$27
Stop Payment of Money Order/Official Check$27

Business Relationship Checking

Maintenance Service Charge per Statement Cycle

(Minimum daily combined1 deposit balance required to avoid maintenance service charge and transaction charges is $25,000)
$15
Transaction2 charges per statement cycle:
       >First 200Free
       >201-300$0.25
       >301+$0.50
Returned Check Charge (ACH)$27
NSF Returned Item$27
Insufficient Funds Charge (ACH, EOD, Paid/Returned)$27
Stop Payment Fee$27
Stop Payment of Money Order/Official Check$27

Business Commercial Checking

Maintenance Service Charge per Statement Cycle$15
Transaction2 charges per statement cycle:
       >Per Deposit Made$0.75
       >Per Item Deposited$0.10
       >Per Check Paid$0.17
Earnings Credit Allowance (ECA) will be used to offset the charges above.

(The monthly ECA rate is calculated using the 90-day T-Bill rate as set on the first Tuesday of the month, divided by 365 days, then times the number of days in the monthly statement cycle. The monthly rate is then applied to the average collected balance minus a 10% reserve to arrive at the amount of the ECA for the month. Excess earnings credits are not carried over to the next month or credited to your account in any way.)
Returned Check Charge (ACH)$27
NSF Returned Item$27
Insufficient Funds Charge (ACH, EOD, Paid/Returned)$27
Stop Payment Fee$27
Stop Payment of Money Order/Official Check$27

MISCELLANEOUS FEES & CHARGES

Fee TypeFee Amount

Mortgages

Real Estate Loan Payoff (in writing)$25
Duplicate Original Discharge$50
Verification of Mortgage$15

Debit Cards

Debit Card Replacement Fee$10
ATM & Debit Card International Transaction Fee
(percentage of transaction made at a merchant outside of United States)
1.1%

Travel & Gift Cards

Single Load Gift Card $3.95/card
Reloadable Travel Card$4.95/card

Safe Deposit Box

3x5$32/year
5x5$50/year
3x10$60/year
5x10$75/year
10x10$125/year
Drill and Key Replacement Feeat cost
Key Replacement Fee$15/key
Safe Deposit Box Late Payment Fee$5

Digital Banking Services

Digital Banking (Personal & Business) Free
Bill Pay (per month)

(Simple Checking: Includes up to 8 free payments per month, additional payments $0.50 per payment)
$3.95
Stop Payment Fee (Bill Pay)$27
Returned Charge (Bill Pay) $27
Transfers between Workers and other financial institutions or individuals:
       >Inbound TransfersFree
       >Outbound Transfers $5,000 or less$5
       >Expedited Inbound/Outbound Transfers $1,000 or less$10

Miscellaneous

Account Activity Printout$1
Account Research Fees$25/hr
Account Balancing Assistance$25
ACH Origination Fee$5
Annual Checking LOC Fee$25
Backup Withholding Setup Fee (Business)$10
Check Copy Fee$5
Check Order Fee (depends on style ordered)Varies
Coin Counting Machines:
       >Members Free
       >Non-Members (percentage of deposit)8%
Collection Item Fee$10
Copies of Deposits/Items Fee $5
Copy of 1099 or 1098 Fee$5
Counter Check Fee4/$2
Early Closing Fee (within 180 days of opening)$10
Escheatment Fee (Abandoned property)$30
Foreign Check Collection Fee$10
Foreign Check Return FeeVaries
Uncollected Funds Charge$27
IRA Transfer/Rollover Fee$25
IRA Early Closeout Fee$25
Loan Payment with Card Fee$10
Lost Passbook Fee$10
Night Deposit Bag Fee$20
Night Deposit Key Replacement (Business)$10
Non-Member Check Cashing Fee (percentage of check total)2%
Notary Public Fee:
       >MembersFree
       >Non-Members$1.25
OD Protection Tran Fee$5
Official Check/Money Order$3
Photocopy Fee (per page)$1
Plastic Deposit Bag Fee, per 100, 11”x15” (Business)$22
Reg D Excess Debits Fee3$9.50
Restart Checking Monthly Service Fee$10
Returned Check Charge or ACH Rejection Fee (Business)$27
Returned Deposit Item Fee$7.81
Statement Copy Fee4$5
Wire Transfers Incoming Fee (Business)$10
Wire Transfers Outgoing:
       >Wire Transfers Domestic Fee$25
       >Wire Transfers International Fee$40

Checking Account Tools

Disclaimer

All fees are for each occurrence unless noted otherwise.

1 Related deposit accounts (linked based upon the same Tax Identification Number) including; savings, checking, money market and certificates of deposit.

2 Transactions are deposits, items deposited and checks paid.

3 When the number of transactions allowed by Federal Regulations is exceeded in a monthly statement cycle, your account will convert to a Transactional Savings with a $10 fee per monthly statement cycle. This applies only to Money Market and Savings Accounts. See Terms and Conditions Disclosure for full explanation of excessive transactions.

4 Up to 5 copies, then $25/hr research fee.

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