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 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 Rewards Checking Account	Amount $6.50 per month*
Fee Paper Statements Fee – Applies only to Rewards 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.