Fees

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:

Personal Account Fees

Fee

Amount

Fee

Over 10 ATM cash withdrawals per month from Checking or Savings accounts (per account)

Amount

50¢ per transaction*

Fee

Rush Card Fee

Amount

$50*

Fee

ATM/Debit Card Replacement Fee

Amount

$10 per card

Fee

Foreign Transaction Fee (Debit card)

Amount

Up to 1% of each transaction in US$

Fee

Automatic overdraft transfer of funds from any savings account to checking account (Applied against checking account)

Amount

$4 per item*

Fee

Checks

Amount

Fee varies depending on style ordered*

Fee

Temporary Checks (for new accounts until standard checks arrive)

Amount

$5 per book of 12*

Fee

All-In Checking Account

Amount

$6.50 per month*

Fee

Paper Statements Fee – Applies only to All-In Checking accounts that are not enrolled in eStatements

Amount

$2 per month*

Fee

Cashier’s Check

Amount

$3 each

Fee

Returned Check – A check or cash is deposited into your account and it is returned unpaid for any reason

Amount

$10 per item

Fee

Inactive Account Fee – An account is considered inactive if no withdrawals or deposits have been made for one year and the account balance is less than $100.

Amount

$25 per year

Fee

ACH Credit Origination Setup Fee

Amount

$20

Fee

Courtesy Pay Fee (each debit or check paid)

Amount

$30*

Fee

Excess Withdrawal Fee

Amount

Money Market: 50¢ per transaction after exceeding six (6)

High-Yield Money Market: $25 per transaction after exceeding six (6)

Fee

Undeliverable Mail

Amount

$5 per month

Fee

Nonsufficient Funds Item (each)

Amount

$30

Fee

Account Research

Amount

$5 per 15 minutes ($5 min.)*

Fee

Account Balancing Assistance

Amount

$5 per 15 minutes ($5 min.)*

Fee

Stop Payment (all items)

Amount

$25*

Fee

Wire Transfer (Outgoing), Domestic

Amount

$20

Fee

Wire Transfer (Outgoing), Foreign

Amount

$50

Fee

Garnishment Fee

Amount

$25*

Business Account Fees

Fee Type

Business Driver Checking

Family Business Checking

Empower Business Checking (nonprofit)

Fee Type

Monthly account maintenance fee

Business Driver Checking

$10*

Family Business Checking

$5*

Empower Business Checking (nonprofit)

$0

Fee Type

Deposit item fee

Business Driver Checking

25¢ per check
(first 300 items free)

Family Business Checking

25¢ per check
(first 200 items free)

Empower Business Checking (nonprofit)

$0

Fee Type

Cleared check fee

Business Driver Checking

25¢ per check
(first 200 checks free)

Family Business Checking

25¢ per check
(first 100 checks free)

Empower Business Checking (nonprofit)

$0

Fee Type

Coin & currency orders & deposits

Business Driver Checking

FREE

Family Business Checking

0.25%

Empower Business Checking (nonprofit)

$0

Fee Type

Monthly fee waiver

Business Driver Checking

$7,500
(Average Daily Balance)

Family Business Checking

$250
(Average Daily Balance)

Empower Business Checking (nonprofit)

N/A

Safe Deposit Box Fees

Branch Location

Dimensions

Annual Fee

Branch Location

Blairs Ferry Rd NE

Dimensions

3” x 5”

3” x 10”

5″ x 10″

Annual Fee

$15

$25

$45

Branch Location

Edgewood Rd SW

Dimensions

3” x 5”

3” x 10”

5” x 5”

5” x 10”

Annual Fee

$15

$25

$25

$45

Branch Location

Marion

Dimensions

3” x 5”

3” x 10”

5″ x 10″

10″ x 10″

Annual Fee

$15

$25

$45

$80

Branch Location

Mt. Vernon Road SE

Dimensions

3″ x 5″

3″ x 10″

5″ x 5″

5″ x 10″

Annual Fee

$15

$25

$25

$45

Disclosures

*Iowa sales tax will be added.