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) per month

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

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.