Account Opening and Usage

Retail Application Processing Fee$3.00 
Monthly Fee

$9.95 Standard monthly service fee for accounts that do not receive the qualifying Direct Deposits for the lower $5 Monthly Fee (see below).

$5.00 Monthly service fee for accounts that receive Direct Deposit(s) totaling at least $500.00 in one (1) calendar month. Upon qualifying, your Monthly Fee will be lowered to $5.00. Subsequent Direct Deposits are not required to keep the lower Monthly Fee.

ATM Cash Withdrawal Fee – Domestic & International

$3.00 For each withdrawal conducted at a domestic or international ATM. You may also be charged a fee by the ATM operator.

ATM Balance Inquiry Fee and ATM Transaction Decline Fee

$1.50 Per ATM balance inquiry or declined ATM withdrawal transaction at a domestic or international ATM. You may also be charged a fee by the ATM operator.

Overdraft Fee$20.00 Per transaction. 
Maximum Number of Overdraft Fees per Calendar Month5
Overdraft Fee Threshold$10.00 Once an Overdraft transaction is settled, and it creates a negative Actual Balance greater than ten dollars ($10.00), you will have twenty-four (24) hours to add sufficient funds to your Account to bring your Account back to a zero or positive Actual Balance to avoid incurring any Overdraft Fee(s).
Please see your Deposit Account Agreement for additional information on avoiding Overdraft Fee(s).
Over The Counter Cash Withdrawal Fee at a Financial Institution3% Fee applies per withdrawal and is in addition to any Foreign Transaction Fee (if any) at a bank location. A fee may also be assessed by a financial institution that is not a member financial institution (e.g., Visa or Mastercard).
Over-the-Counter Cash Withdrawal Fee at a Netspend Network LocationFees are determined and assessed by third parties and not the Bank. Fees, limits, and service availability vary by location. Visit your OAC for details. 

Money Transfer Service Fee

$3.00 Per transaction of $20.00 or more; $1.50 per transaction of under $20.00 Per any outgoing money transfer from your Account initiated through a third-party service such as Venmo, CashApp, PayPal, Western Union or other similar money transfer services. The service provider may charge additional fees.

Additional Statement Mailing Fee

$5.00 Per statement requested. No fee to view, print, or download your statement via the OAC or Mobile App.

Additional or Replacement Cards$3.00 Per replacement requested for lost, stolen, or damaged Cards.

Expedited Card Delivery Fee (1-2 Business Day Delivery) and Return of Funds Check Fee

$20.00 Expedited Card Delivery Fee is charged in addition to Replacement or Additional Card Fees when this service is requested. No fee for standard delivery. Return of Funds Check Mailing Fee is charged per check requested for the return of funds at Account closure.

Account Closure Fee$20.00 Per check for the return of funds at Account closure.
Decline Fee – ACH Debit or Preauthorized Payment Transactions$1.50 Per declined ACH debit or preauthorized payment transaction. This fee will be assessed for each unpaid transaction, including multiple times for the same transaction if a merchant submits it multiple times for payment. Avoid this fee by keeping track of your balance via the OAC or Mobile App, or by enrolling in Anytime Alerts. Limit of 5 fees per month.
Foreign Transaction Fee4.0% Fee assessed on all purchase transactions and cash withdrawals conducted outside of the U.S. or in a currency other than U.S. dollars, and is based on U.S. dollar amount of the transaction. Fee may be assessed for transactions conducted in U.S. territories. For cash withdrawal transactions, the surcharge is in addition to the ATM Cash Withdrawal Fee - International. 

Funds Transfer Fee

Visit your OAC or Mobile App for a full range of transfer options between your Account and another account or third party. Depending on the transfer service you select, a fee may be assessed to your Account or to the transferor. The fee may be determined by a variety of factors set by the service provider, such as speed, amount, or destination. Some of the fees are assessed by third parties or the originating Bank, and are not assessed by Bank.

If you have questions or would like additional information, please visit the OAC or call us at 1-866-753-6355. We will be happy to assist you. In addition, the Deposit Account Agreement governs the terms and conditions of Account(s) with us. Please refer to the Agreement for complete Account details.