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.

Checking & Savings Fees
Please note: Business Account Fees are different.
ATM / Visa® Debit Withdrawals
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: $0
No minimum balance
Dividend-Bearing Accounts: $6
Balance below $200
Personalized Checks
Interest Reward Checking Accounts: Free for life
For all other checking accounts, please see 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 a non-sufficient funds check, ACH, or other item for which overdraft services are provided.
$35 per presentment
$210 cap per day
Returned Item (NSF)
When a check, ACH, or other item is returned for various reasons.
$35 per presentment
$210 cap per day
Stop Payment
To cover the cost of stopping in-progress payments.
$35 per check
$70 series of two or more checks
WINcentive® Savings Accounts
To encourage you to save (and win prizes!), withdrawals from this account incur fees
First withdrawal per year: $10
Second withdrawal per year: $25
Other Account Fees
Loan Payment
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: $20
Balance below $10,000
Nova Money Market: $20
Balance below $25,000
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: $10
Outgoing Domestic: $15*
Outgoing Foreign: $40*
* Receiving institution may charge additional fees.
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.
