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Fee Schedule

As of May 1, 2020

Other Account Fees

The following fee applies to all accounts with us:
Research Fee: $25.00 per hour
The following fees apply to all of your accounts with us except Time Deposit Accounts:
Internet Banking/Bill Payer FREE
Around the Clock Banking at (859)381-8845 FREE
Telephone Transfers:
(FREE through Around the Clock or Internet Banking)
$2.00 per transfer
*Return Deposited Item $10.00
Bank by Mail: FREE postage-paid envelopes
The following fees apply to Checking and Money Market Accounts:
Balancing Checkbook $25.00 per hour
*Stop Payment $30.00 per stop payment
*AOD Paid Item Fee and Non-Sufficient Funds Fee **$30.00 per check
*(AOD = Automated Overdraft) **$30.00 per check
*UCF AOD Paid Item Fee **$30.00 per check
(UCF = uncollected funds due to hold on account)  
*Return Item Fee(s) **$30.00 per check
Automatic Transfer Protection $5.00 per transaction
The following fees apply to Checking; Savings; and Money Market Accounts:
Excessive Withdrawal Fee:
Savings Accounts-$1.00 for each withdrawal in excess of 6 per Qtr.
Money Markets-$5.00 for each withdrawal in excess of 6 per month
Receipt of Paper Statements $2.00 mo
Statement Printout: $3.00 per copy

Miscellaneous Fees and Charges

Dormant Account Fee:
Checking after 6 months; Savings after 2 years $5.00 per statement cycle
Lost Debit Card Replacement Fee $10.00
Collection Items: Foreign $10.00 plus expenses
Savings Bond Redemption: Non Customer $30.00
Check Order Prices vary with style
Tax Levy or Garnishment $75.00
MSB*** Monthly Fee $150.00
Coin & Currency Bag $4.00 per bag
Night Depository Bag $25.00 per bag
Cashier's Checks $6.00
Wire Transfer
*Outgoing $20.00
Incoming FREE
Foreign $30.00 plus fees
Safe Deposit Box
Late Fee $15.00
Drill Box Variable (based on actual charge from 3rd party service provider)
Lost Key Replacement $25.00
3 x 5 x 23 $20.00 annually
3 x 10.5 x 23 $35.00 annually
5 x 10.5 x 23 $55.00 annually

*Denotes Changes
** The fee applies to overdrafts and non-sufficient funds created by check, in person withdrawal, or electronic means. The maximum number of overdraft fees that we would assess is limited to 8 per day.
*** MSB represents Money Service Business