Schedule of fees & charges for personal accounts
No surprises. You deserve to know exactly what you can be charged and when, without having to sift through multiple pages of fine print.
Below you’ll find it all, simply put.
Please note: Business Account Fees are different.

Josh, Affinity Plus Member
Checking & Savings Fees
ATM / Visa® Debit Withdrawals | |
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To avoid ATM withdrawal fees, please visit our many surcharge-free ATMs on the locations page on our website. | |
Checking Minimum Balance | |
Non-Dividend-Bearing Accounts No minimum balance | $0 |
Dividend-Bearing Accounts Balance Below $200 | $6 |
Personalized Checks | |
Interest Rewards Checking | Free for Life |
For all other checking accounts, please see the price list available at any branch. Check printing fees and prices may vary depending upon style of check. | |
Overdraft/Courtesy Pay Item | |
When we cover a non-sufficient funds check, ACH or other item pursuant to our overdraft courtesy pay program. Members are allowed to go up to $100 negative without incurring an overdraft/courtesy pay fee. | $15 per presentment $90 cap per day |
Stop Payment | |
To cover the cost of stopping in-progress payments. | $35 per check $35 per ACH Company $70 series of 2 or more checks |
WINCENTIVE® SAVINGS ACCOUNTS | |
To encourage you to save (and win prizes!), withdrawals from this account incurs fees. | |
First withdrawal per year | $10 |
Second withdrawal per year | $25 |
Other Account Fees
Loan Payment | |
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Payment from a non-Affinity Plus debit card to an Affinity Plus loan. | $12 per payment |
Dormant Account | |
When there’s no account activity for an extended period of time. | $12 per quarter |
Money Market Minimum Balance | |
A+ Money Market Balance below $10,000 | $20 |
Nove Money Market Balance below $25,000 | $20 |
Skip-A-Payment | |
When you’ve arranged with us, in advance, to skip a qualifying loan payment. | $30 |
Statement / Research | |
When you request customized statement or account information. | $30 per hour |
Subordination Request | |
When multiple mortgages’ (at multiple institutions) lien positions are re-ordered. | $250 |
Wire Transfer | |
Incoming Outgoing Domestic Outgoing Foreign * Receiving institution may charge additional fees. | $10 $15* $40* |
Use points to reverse fees
You're earning MyPlus Rewards™ points by doing everyday things like spending with your Affinity Plus debit or credit card. Or by saving a certain amount, or taking out a consumer loan with us. And you can redeem those points to reverse select fees.

Josh, Affinity Plus Member