Fee Schedule

The following fees may be assessed against your account.

Effective September 2023.
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
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Serving People Who Live & Work In – Banks, Clarke, Dawson, Habersham, Hall, Jackson, Lumpkin, Madison, Oconee, Oglethorpe, Rabun, and White – Northeast Georgia Counties

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