.












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

Check Printing fee depends on style of check ordered
Cashier's Checks Customer $5.00 each
  Non Customer $10.00 each
Money Orders Customer $3.00 each
  Non Customer $5.00 each
Deposited Checks (and other items)  
Returned item (ACH or check) unpaid $25.00 each
Overdraft (each check, ACH, or in-person withdrawal) $25.00 each
Continuous Overdraft after 7 days (Fee applies to overdrafts created by check, ACH, or in-person withdrawal. $25.00 each
Account Research (per hr) $20.00
Account Reconciliation (per hr) $20.00
Stop Payment $25.00 each
Photocopies Customer
(per pg)
$0.10
  Non Customer (per pg) $0.25
Wire Transfers (outgoing) $15.00 each
Safe Deposit Box Rent  
  3"x5" $15.00 per year
  3"x10" $20.00 per year
  5"x10" $25.00 per year

We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

ATM Withdrawal Fees - An ATM Withdrawal Fee of $2.00 will be charged for any withdrawal from checking or savings at any ATM with the exceptions of our ATM at the Community Bank in Alma or at Ampride in Oxford . "Notice regarding ATM fees by others. If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator and/or by the automated transfer network."

ATM Inquiry Fees - An ATM Inquiry Fee of $1.50 will be charged for each inquiry of checking or savings at any ATM.

ATM/Debit Card (initial card) There will be a charge of $15.00 for any new ATM/Debit Card ordered.

Duplicated ATM/Debit Card Fees - There will be a charge of $15.00 to get a duplicate ATM/Debit card in the event your card is lost or mutilated.

Checking Account Fees

Regular Checking - A minimum balance of $100.00 is required to open this account.

  • If your balance falls below $100.00 on any day in the monthly statement cycle, a service charge fee of $6.00 will be imposed once during the statement cycle.
  • If your balance is at least $100.00 on every day in the monthly statement cycle but falls below $300.00 on any day during the monthly statement cycle, a service charge fee of $4.00 will be imposed once during the statement cycle.
  • If your balance does not fall below $300.00 any day during the monthly statement cycle, there will be no service charge fee imposed.
  • A per check fee of $.40 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account, and ATM/Debit card transactions) in excess of 60 during a monthly statement cycle.

Senior Checking - A minimum balance of $100.00 is required to open this account.

  • The service charge fee will not apply to senior citizens 62 years of age or older.

Main Street Gold Checking (Interest Bearing Account) - A minimum balance of $100.00 is required to open this account.

  • A service charge fee of $4.00 will be imposed every statement cycle if the balance in the account falls below $200.00 any day of the cycle.

PAYC Checking - A minimum balance of $100.00 is required to open this account.

  • A per debit charge of $.40 will be charged for each debit paid

Basic Checking (Business Checking) - A minimum balance of $100.00 is required to open this account.

  • A service charge fee of $8.00 will be charged for each monthly statement cycle with unlimited checking.

Student Checking - A minimum balance of $50.00 is required to open this account.

  • There will be no service charge fee for this type of account.

NOW Account (Interest Bearing Account) - A minimum balance of $1500.00 is required to open this account.

  • A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 on any day of the cycle. A per debit fee of $.40 will be charged for each debit in excess of 40 during a statement cycle.

SUPER NOW Account (Interest Bearing Account) - A minimum balance of $2,000.00 is required to open this account.

  • A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. A per debit fee of $.40 will be charged for each debit in excess of 40 during a statement cycle.

Super NOW Plus Account (Interest Bearing Account) - A minimum deposit of $25,000.00 is required to open this account.

  • A service fee of $20.00 will be imposed every statement cycle if the balance in the account falls below $10,000.00 any day of the cycle. A per debit fee of $.40 will be charged for each debit in excess of 40 during a statement cycle.

Money Market Account (Interest Bearing Account) - A minimum balance of $2,500.00 is required to open this account.

  • A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

Money Market Plus Account (Interest Bearing Account) - A minimum balance of $25,000.00 is required to open this account.

  • A service charge fee of $20.00 will be imposed every statement cycle if the balance in the account falls below $10,000.00 any day of the cycle.

Regular Savings Account A minimum deposit of $100.00 is required to open this account.

  • If your balance falls below $100.00 on any day, a service charge fee of $1.00 will be imposed once during each month this occurs. Service charge does not apply to student savings accounts.
  • If your savings account is dormant (365 days with no activity) and under $200, a dormant fee of $2.00 will be imposed each month account is dormant. Dormant fee does not apply to student savings accounts.

return to top