Common Fees | Money Market Account | Nothing Checking Account, Edge Checking and Cha-Ching Checking | Traditional Checking | Business Checking (DBA) | New Beginnings Checking | Rewards | Safe Deposit Boxes
Fees and Charges Common to all account types
Account Research – $12.50 per hour, $1.50 per copy
Domestic Bank Wire – $ 6 incoming, $10 outgoing – waived for active duty military families
International Bank Wire – $40 outgoing, incoming subject to pass through charges
Collection Item – $10 per item
Copy of Draft (check) – $1.50 per copy
Dormant/Inactive Account – $15 quarterly fee
Garnishment / Levy Fee – Charges will vary according to local laws
Returned Checks – $28 if from member, $5 all others
Redeposit of Returned Items – $5 per item
Temporary Drafts – First 8 free for new accounts. Additional drafts 10 cents each for all accounts.
ATM / Debit Card Replacement Fee – $5 if old card is not returned. Fee not applicable for normal wear.
ATM / Debit Card International Service Assessment – 1% of the amount of the transaction when card is used / processed internationally.
Traveler’s Checks – Standard traveler’s checks are free, Traveler’s Checks for two – $1 per each $100 purchased, and Gift Checks – $2 each
Gift Cards – $3.95 each
Cashier’s Check – $1.50 per check when made payable to someone other than the account holder (waived for Reward Checking)
Money Order – $1.50 each – waived for Rewards Checking
Stop Payment – $28 per item (waived for Reward Checking)
Overdraft (Non-sufficient Charge)* – $28 per item – fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.
Overdraft Protection Program (Courtesy Pay)* – $28.00 per item – fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Must meet qualifying requirements and choose to participate in the program, may opt-out of the service at any time including optional affirmative consent for everyday ATM / Debit card transactions.
Check Printing – Fee will vary by style of check and the quantity ordered (Two free boxes with Rewards checking)
*Courtesy Pay covers your overdraft (negative) balances up to (including fees): $600 for Nothing, $700 for Traditional, $1,000 for Rewards, $700 for “DBA” and $1,500 for Business on eligible checking accounts. Eligible checking accounts qualify when in good standing, open for at least 30 days with consistent deposit activity, current on all obligations with us and not subject to any legal or administrative order or levy. A $28 fee will be applied to each item that posts to your account resulting in an overdraft (negative) balance. Courtesy Pay applies to a variety of transactions including checks and other transactions made using your checking account number, in-person transactions, bill payments, ATM and debit card transactions and other electronic means. You must bring your account balance to a positive balance within a 25 day period from the first negative occurrence for a minimum period of 24 hours. Courtesy Pay is a discretionary service and is not a right or obligation. You may opt-out of the service at any time including the optional affirmative consent for everyday ATM/Debit card transactions .We reserve the right to refuse to provide this service at any time or from time to time on any account without notice.
Money Market Account
Nothing Checking Account, Edge Checking (Young Adults) and Cha-Ching (Teen) Checking
Traditional Checking Account Fees and Charges
Business Checking (Doing Business As)
Monthly Service Charge – $12.50 per month
New Beginnings Checking
Safe Deposit Boxes
Call office for availability. Boxes are not available at the Skiatook office.
Replacement key – $15, if both keys are lost or stolen, member is responsible for drilling cost.
2 x 5 $10 per year
3 x 5 $18 per year
3 x 10 $30 per year
4 x 5 $24 per year
5 x 5 $25 per year
5 x 10 $45 per year
10 x 10 $80 per year