Fees

Fees are effective as of September 1, 2016

Savings Account Fees
Checking Account / Check Card Fees
Money Market Account Fees
Loan Fees
Business Services Fees
Online Banking Fees
Safe Deposit Box Fees
Other Service Fees (All Accounts)
Credit Union Membership Fees


Savings Account Fees

Below Minimum Balance

FREE

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Checking Account / Check Card Fees

Below Minimum Balance

FREE

Visa Check Card

FREE

Overdraft Transfer ($100.00 increments)

$3.00

Statements

FREE

Overdraft Privilege

$32.00 per debit or check paid

Debit Card Overdraft Privilege

$32.00 per debit

Non-Sufficient Funds (NSF)

$32.00 per debit or check paid

Continuous Day Overdraft (after 6 days)

$25.00

Stop Payment (all items)

$32.00 per item

Check Copies

$4.00 per item

Photocopy of a Deposited Check

$5.00 per item

Returned Deposit Item

$32.00 per item

Check Orders

Prices vary depending upon styles

Expedited Debit Card or PIN Mailer

$15.00

Account Research/Reconciliation Assistance

$20.00 per hour

ATM Withdrawals at Andigo-Owned Machines

FREE

Non-Andigo ATM Withdrawals

$1.50 each (in excess of 8 per month)

Non-Andigo ATM Balance Inquiry/Transfer

$1.00 per transaction

Visa Check Card Foreign Transaction

1.00% of each transaction in U.S. dollars

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Money Market Account Fees

Check Orders

FREE

Below Minimum Balance

$10.00 each month

Excess Withdrawals
(On all money market accounts, you may make up to six preauthorized, automatic, telephonic, audio response or Internet transfers to another of your accounts, or to the account of any other person or organization, during a calendar month. If you exceed these limitations, your account may be subject to a fee or be closed.)

$10.00 each month
Fees apply for any type of withdrawal in excess of six per calendar month (preauthorized, automatic, telephonic, audio response, Internet transfers, transfers from your account to pay a loan with us, transfers to your other accounts with us, withdrawals by check made directly to you, in-person withdrawals, withdrawals made by mail or withdrawals made by ATM.)

Stop Payment

$32.00 per item

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Loan Fees

Mortgage Credit Report

$20.00 (credited at closing, nonrefundable otherwise)

Mortgage Appraisal Deposit for Conventional Loans

$300.00 (credited at closing, nonrefundable otherwise)

Mortgage Origination

$495.00 (paid at closing)

Mortgage Processing Fee for Conventional Loans

$175.00 (paid at closing)

Mortgage Underwriting

$300.00 (paid at closing)

Mortgage Document Preparation

$50.00 (paid at closing)

Mortgage Rate Lock Change

.50% of the loan amount

Mortgage Late Payment

5% of payment

Mortgage Modification

$500.00

Mortgage Re-Amortization Fee

$150.00

Home Equity Loan Closing Costs

Waived (see full disclosure)

Home Equity of Credit Closing Costs

Waived (see full disclosure)

Home Equity Line of Credit Annual Fee

FREE

Home Equity Line of Credit Check Orders

FREE

Home Equity Loan or Line of Credit Early Closure

Actual closing costs initially waived at closing (if closed within 1 year)

Home Equity Lien Subordination 

$100.00

Visa Platinum Annual Fee 

FREE

Visa Platinum Foreign Transaction

2.00% of each transaction in U.S. dollars

Visa Platinum Cash Advance 

3.00% of transaction amount ($5.00 minimum)

Visa Platinum Expedited Payment

$5.00

Visa Platinum Late Payment

$20.00

Special Delivery of Visa Platinum Credit Card

$15.00

Loan Application (other than mortgage)

FREE

One-Time Expedited Loan Payment (from another institution) 

$5.00

Loan Late Payment (other than mortgage)

$20.00

Early Loan Repayment (other than Home Equity)

FREE

Vehicle Title Transfer (for refinance)

FREE

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Business Service Fees

Checking Account Below Minimum Balance 

$5.00 each item

Business Checking Deposit Correction

$3.00

Check Orders

Prices vary depending on style

Visa Check Card

FREE

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Online Banking Fees

External Transfers — Transfer In or Out (2 to 3 business days)

FREE

Online Banking and Bill Payment

FREE

Online BillPay Overnight Paper Payment

$20.00

Online BillPay Same-Day Bill Payment

$9.95

Person to Person Payment (Popmoney®)

$0.75

Online Check Copies

FREE

Quicken Downloads

FREE

Microsoft Money Downloads

FREE

eStatements

FREE

eNotifications

FREE

Delinquent eDeposit

$29.00 per item

Unacceptable eDeposit

$29.00 per item

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Safe Deposit Box Fees

3 x 5 Rental

$35.00 annually

3 x 10 Rental

$60.00 annually

5 x 10 Rental 

$85.00 annually

10 x 10 Rental

$140.00 annually

Safe Deposit Box Drilling

$150.00

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Other Service (All Accounts)

Notary Service

FREE

Signature Guarantee

FREE

Cashier's Check

$5.00

Money Order
Express Advantage Members

$3.00
$1.00

Visa Gift Card

$3.00

Domestic Wire Transfer — Outgoing

$25.00

Domestic Wire Transfer — Incoming

FREE

International Wire Transfer — Outgoing

$45.00

International Wire Transfer — Incoming

FREE

Travelers Cheques
Express Advantage Members

$1.00 per $100
FREE

Statement Copy

$5.00 each

Bad Address

$5.00 per month

Federal Express Items

$15.00

Collection Item (incoming)

$20.00

Garnishments/Citations

$50.00

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Credit Union Membership Fees

Inactive Membership
(Inactivity is defined as no activity after 12 months, less than $500 in a regular savings account and no other Andigo accounts)

$10.00 per quarter

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