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Effective March 1, 2018

The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

Membership
Membership Fee (one-time non-refundable fee) $5.00
USA Patriot Act Recovery Fee (one-time non-refundable new member fee) $5.00
Checking
Basic and Extreme FREE
Fresh Start (monthly) $9.00
Premium (daily balance below $1,000) $5.00
Business Checking
Business Select No monthly fee
Business Advantage (monthly fee) $12.50
Savings
Savings Excessive Withdrawal per transaction (over 2 withdrawals per month) $5.00
Minimum Balance (below $25 per month) $5.00
Money Market
Minimum Daily Balance (below $2,500) $10.00
Money Market Excessive Withdrawal/Transfer – Per Transaction (over 6 per month) $10.00
ATM/Debit Cards (per transaction)
Balance Inquiry $0.50
Peach State ATM FREE
Other ATMs (monthly) 6 FREE
Each Additional Transaction $1.00
Point of Sale FREE
VISA® Debit Card International Service Assessment Fee
Single Currency Transaction
.8% of Amount
VISA® Debit Card International Service Assessment Fee
Multi Currency Transaction
1% of Amount
Replacement Card: ATM/Debit $7.00 Non-EMV Chip/$10.00 EMV Chip
Miscellaneous
Account History $5.00
Account Research (per hour $15.00 minimum) $25.00
Automatic Overdraft Transfer Fee $5.00
BillPay/BillPay Plus (free with eStatements) $5.95
Closed Savings Account (within one year of opening) $10.00
Cashier’s Checks $7.50
Check Printing Prices Vary
Coin Machine 4% of Amount
Copy of Check $2.00
Copy of Check: Archived (over 12 months/1-3 items) $5.00
Copy of Check: Archived (over 12 months/over 3 items) See Acct. Research
Copy of Statement $5.00
Inactive Account Maintenance $5.00 per month after 1 year inactivity for Savings and/or 6 months for Checking; excludes Money Market
Mailed Monthly OR Quarterly Statement Fee $4.00
Overdraft: NSF (insufficient funds) $32.00
Overdraft: Courtesy Pay1 $32.00
Returned Mail $5.00
Returned Deposited Item $12.00
Returned Deposited Item: Drawn from your personal account at another financial institution $32.00
Safe Deposit Box (only available at select branches) $25-$100/Year
Shared Branching Service Centers $2.00
Signature Guarantee $10.00
Skip-A-Payment $25.00
Stop Payment $32.00
Verification of Deposit $15.00
VISA® Gift Card $4.00
Wire Transfers: Outgoing Domestic $25.00
Wire Transfers: Outgoing Foreign $50.00
Wire Transfers: Incoming $10.00

Subject to Change
1Fee applies when overdraft is created by check, ACH debit, ATM withdrawal, check card withdrawal, or other electronic means.