ATM  
BSB ATMS FREE
Foreign ATM $1.00
BSB ATM (non-customer) $3.00
CASHIER’S CHECKS  
Cashier's Checks $5.00
CHECK CASHING SERVICES  
Non-Customer 2.5% of Check Total w/Min. $5.00
CLIENT SERVICES  
Account Balance Inquiry Per Nightowl or Online Banking FREE
Account Balance Inquiry Per 6/phone calls $2.00
Balance checkbook (per/hr.) $25.00
Research (per/hr.) $25.00
Telephone Transfer $2.00
DEBIT CARDS  
First Instant Debit Card on Account FREE
Lost Card $3.00
Instant/Custom Card $5.00-$10.00
DEPOSIT ITEM RETURN  
Deposit Item Return $6.00
DORMANT ACCOUNT - CHECKING/SAVINGS  
Inactive account for 1 year with less than $500 balance/month $5.00
Inactive account Cool Owl Kid's Club Account for 1 year with less than $25 balance/month $5.00
GARNISHMENTS OR LEVIES  
Garnishments or Levies $100.00
MONEY ORDERS  
Money Orders $3.00
OVERDRAFT FEE  
*Overdraft Fee $29.50
PAPER STATEMENT FEE  
Paper Statement Fee $5.00
RETURN ITEM FEE  
Per Item Returned $29.50
SAFE DEPOSIT BOXES  
Annual Rent  
3” x 5” $18.00
5” x 5” $30.00
3” x 10” $42.00
5” x 10” $46.00
10” x 10” $96.00
Key Deposit $12.00
Billing Statement $2.50
Lock Drilling $100.00
Late Payment Per Month $5.00
STOP PAYMENT FEE  
Stop Payment Fee $29.50
WIRE TRANSFERS  
Domestic Incoming $12.00
Domestic Outgoing $18.00

* A fee of $29.50 will be imposed for each overdrawn item created by check, in-person withdrawals, or automatic payments, with no maximum overdraft fee per day. (ATM Withdrawals or everyday debit card transactions are included if client requests/opts-in). Payment of your overdraft is discretionary and we reserve the right not to pay.