Free Services:

  • Online Banking
  • Bill Payer
  • Mobile Banking
  • Notary Public
  • Official Checks (1/day)
  • IRA Transfer
  • Direct Deposit/ACH/Payroll Deduction
  • Telephone Transfers/Inquiries
  • Counter Checks
  • Instant Issue Meritrust VISA® Debit and Credit Cards with Security Photo
  • Signature Guarantee/Medallion

All Fees Are Subject To Change Without Notice.


Safe Deposit Boxes

Size and Cost Per Year

  • 3×5 — $25
  • 5×5 — $30
  • 3×10 — $35
  • 5×10 — $50
  • 10×10 — $90

Service Charges

  • Early Account Closing (within first 6 months) — $10
  • Overdraft/NSF (per item) — $32
  • Stop Payment — $32
  • Debit or Credit Card Replacement (lost or stolen) — $5
  • Overdraft Protection Transfer — $10
  • Indirect Membership Fee — $10
  • Returned Personal Loan Payment — $30
  • Foreign ATM Transaction (cash withdrawal, balance transfer and balance inquiry) — $1.50
  • Green Checking Account Check Clearing Fee — $1
  • Club Account Early Withdrawal Fee–$10 or 3% of Amount Withdrawn, Whichever is Greater
  • Returned Check
    • Meritrust Account — $5
    • Non-Meritrust Account — $32
  • Official Checks (one/day free) — $3
  • History Printout (per month) — $5
  • Account Research (one hour minimum) — $35/hour
  • Rejected Debit/Credit Chargeback — $15 each
  • Inactive Account (per month after six months of no transactional activity) — $10
  • Garnishments/Tax Levies — $15
  • Collection Items — Actual Expense
  • Check Cashing (members)* — $3
  • Check Copy Look-Up — $2
  • Share Certificate – Early Redemption
    • Original Maturity Less Than One Year — 90 Days Interest
    • Original Maturity One Year or Greater  — 180 Days Interest
  • Bad Address — $10
  • Smart Checking — $10/month
  • Electronic Payment Processing — $15
  • Online Loan Payment — $10
  • Oil and Gas Draft Processing — $10
  • Foreign Item Processing — $10
  • Expedited Electronic-next day ACH for electronic payees — $9.95
  • Overnight Check — $29.95

*Free to members with aggregate deposits greater than $100 or current loan.


Non-Member Service Charges

  • Check Cashing (Non-Members, On-Us)
    • $100 to $299.99 — $3
    • $300 or More — $6
  • Exchange Check — $15
  • Coin Counting — 3% of total

VISA® Fees

  • Cash Advance — 3% of Advanced Amount ($8 Minimum/$35 Maximum)
  • Balance Transfer — $0
  • Late Payment** — $27
  • Over Credit Limit*** — $27
  • Returned Loan Payment — $27
  • Annual — $0
  • Minimum Finance Charge — $0

**If payment is less than $27, then the late payment fee will not exceed the amount of the payment.
***If payment is less than $27, then the over credit limit fee will not exceed the amount of the payment.


Wire Transfer Service Charge

  • Incoming Domestic — $15
  • Incoming International — $20
  • Outgoing Domestic — $25
  • Outgoing International — $45