Fee Schedule

Effective: August 1, 2010
Reviewed: March 15, 2016

Account Fees

ACH (Automated Clearing House Debits)



Overdraft Item2

$30.00 (per item)

Stop Payment 

$30.00 (per order)

Business Checking



Monthly Maintenance Fee

$ 5.00 (per month)

Minimum Balance Fee (If balance falls below $50.00)

$10.00 (per month)

Money Maker Deposit Account(MMDA)1


Excessive Transfer Fee $5.00 (per item)
Savings Transfers


Excessive Transfer Fee6 $5.00 (per item)

Minimum Balance Fees

Balance falls below $25.00
Account Fee 
Passbook Savings $ 5.00 (per month)
Statement Savings $5.00 (per month)
Balance falls below $50.00
Business Checking $10.00 (per month)
NOW/Demand $10.00 (per month)
Seniors age 60 and over No Fee
Balance falls below $500.00
Account Fee 
Money Maker Deposit Account1 $10.00 (per month)
Seniors age 60 and over No Fee

Overdraft Fees

Overdraft Item Fee2 & Returned Item Fee (NSF)




$30.00 (per item)
NOW/MMDA1/Demand $30.00 (per item)
Home Equity Line of Credit $20.00 (per item)
Paid or Returned item $30.00 (per item)
Uncollected Funds $30.00 (per item)
Overdraft Transfers
By linked deposit account - Per daily use fee $10.00 (per daily use)

Misc. Account Fees

Statement Copy
Account Fee 
Interim Teller Printout $1.00 (per account)
NOW/Demand $3.00 (per account)
Money Maker Deposit Account1 $3.00 (per account)
Savings $3.00 (per account)
Accounts Closed within 90 days of opening $10.00 (per account)


Dormant Accounts 
NOW/MMDA1/Demand Checking (Inactive for 12 months or longer) $2.00 (per month)
Savings (Inactive for 36 months or longer) $2.00 (per month)


Check Fees

Misc. Check Fees

Checkbook Balancing Assistance

$15.00 per hour
(one hour minimum)

Check Copy - NOW/MMDA1/Demand

$3.00 (per item)

Check Printing - NOW/MMDA1/Demand/Equity Line

Price varies by check style

Deposited or Cashed Item - Returned Check

$20.00 (per item)

Foreign Check Collection

$25.00 (per check) 

TELLER CHECK (Cashiers Check)
Available to customers only.  Over three checks per month

$2.00 (per check)
Stop Payment
Per Order $30.00
Home Equity Line of Credit $20.00


Additional Fees

ATM / Debit Card7

Fidelity Federal ATM

No Fee

Other ATMs (per transaction)

$ 1.00

CIRRUS® ATM (per transaction)

$ 1.50

Card Replacement (per card)

$ 5.00

Expedited Card Delivery


International Exchange Rate Adjustment4

1% of transaction amount

Lost Card/Passbook
ATM/Debit Card Replacement $5.00
Passbook Replacement $3.00
Safe Deposit Box
Details Fee 
Box Rental Price varies by box size
Box Drilling & Key Replacement $125.00
Wire Transfers
Domestic Incoming $12.00
Domestic Outgoing $15.00
International Incoming $40.00
International Outgoing $40.00


Misc Fees
Garnishments, Levies, or Attachments (per order)  $30.00
 Money Orders - Sold to customers only  $2.00 (per item fee)
Online Banking & Online Bill Pay No Fee
Telephone Banking (1-866-694-0505) No Fee
Per Hour $25.00
Per Copy $3.00


1MMDA is Money Maker Deposit Account also known as a Money Market Account

2OVERDRAFT ITEM FEE: Assessed when the available balance in your account is insufficient to cover an item presented for payment and the item is paid. We may, but are not required to, refuse to pay any item unless your available account balance at the time is equal to or more than the amount of the item, plus all other items received. Even if we have paid overdraft items previously, we will not be required to do so at any future time.

3RETURNED ITEM FEE: Assessed when the available balance in your account is insufficient to cover an item presented for payment and the item is returned unpaid (Non-Sufficient Funds)

4INTERNATIONAL Exchange Rate Adjustment: For card purchases, non-ATM Cash transactions and ATM withdrawals in currency other than U.S.Dollars. Fee is a percent of transaction amount after conversion to US Dollars.

5OVERDRAFT TRANSFER: From a Fidelity Federal Sv & Ln checking, savings or money maker account the exact amount of the overdraft plus applicable fees will be transferred. You must sign up separately for Overdraft Transfer Protection. The number of transfers from a savings or money maker account each month is limited in accordance with Federal Regulation D. When you do not have enough available funds in your account to transfer to cover an item, we may either pay the item and overdraw your account (an overdraft item) or we may decline or return the item unpaid (an NSF: returned item). In either case we may charge you a fee.

6EXCESSIVE TRANSFER FEE: Federal Regulation D prohibits you from making more than a total of 6 transfers each month to other accounts from a savings or money market1 account (including transfers to another account for overdraft transfer) or to third parties each month by check, point-of-sale purchase transactions with a bank card, by pre- authorized or automatic agreements, telephone or online. Excessive transactions may result in changing your Savings or Money Market1 account to a Checking Account.

7ATM / DEBIT CARD items: At the time you initiate an ATM withdrawal or Debit card purchase and you do not have enough available funds the transaction will be declined.


>Go To Top