Personal Fees
Understanding ATM Fees
There are two types of ATM fees that can be charged:
- A fee that can be applied by the financial institution that holds your card every time you use it and
- A surcharge fee that can be applied by the financial institution that owns the ATM you use.
We do not impose card usage fees and does not impose a surcharge fee at ATMs in our network.
ATM Network Type |
EastRise Card Usage Fee |
ATM Surcharge Fee |
---|---|---|
* You may use your ATM/debit card from us at any of our ATMs without incurring a fee. If you use an ATM not owned by us, the non-EastRise ATM Fee will apply as outlined above. Additionally, you may incur a surcharge fee from any institution for using their ATM. Transactions through the CO-OP Network are surcharge-free. The $1.50 non-EastRise ATM fee will be charged if applicable. |
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ATM Network Type ATM Surcharge |
EastRise Card Usage Fee None |
ATM Surcharge Fee Other institutions may charge to use their ATMs. See free ATMs. |
ATM Network Type CO-OP ATM |
EastRise Card Usage Fee None |
ATM Surcharge Fee None |
ATM Network Type EastRise ATM |
EastRise Card Usage Fee None |
ATM Surcharge Fee None |
ATM Network Type Non-EastRise ATM Fee* |
EastRise Card Usage Fee None |
ATM Surcharge Fee 4 free per month; then $1.50 for each non-EastRise ATM transaction (withdrawals and transfers). |
ATM Network Type Out of Network ATM |
EastRise Card Usage Fee None |
ATM Surcharge Fee Yes |
Action |
Fee |
---|---|
* Applies to non-sufficient funds or overdraft items created by check, in-person and ATM withdrawal, or other electronic means. Maximum of two (2) paid or returned fees per day per account. Fee is waived if your account is overdrawn by $10 or less. The NSF fee is charged each time an item is presented for payment against insufficient available funds. Multiple presentments of the same item may result in multiple fees. |
|
Action Inactivity |
Fee $5 per month for checking accounts with balances under $500 and no activity for 365 consecutive days |
Action Edge Pay Checking |
Fee $4.95 monthly |
Action International Transaction Fee* |
Fee 1% of transaction amount |
Action Non-Sufficient Funds (NSF) | Overdraft* |
Fee $14 |
Action Overdraft Transfer |
Fee 4 free per month, then $3.00 each |
Action Returned Statement |
Fee $5 – future mailings suspended until address is corrected |
Service |
Fee |
---|---|
Service Abandoned Property |
Fee $25 per membership |
Service Bill Pay Overnight Check Payment |
Fee $14.95 per transaction |
Service Bill Pay Same Day Electronic Payment |
Fee $9.95 per transaction |
Service Card Replacement (ATM or Debit) |
Fee $5 Standard (1 free per account per year); $15 Expedited |
Service Check Copy |
Fee $3 each (digital copy free with online banking enrollment) |
Service Check Order |
Fee Varies by style |
Service Domestic Wire Transfer (outgoing) |
Fee $15 each |
Service Foreign Check Collection |
Fee $35 each |
Service International Wire (outgoing) |
Fee $30 each |
Service Official Check (Cashier’s Check) |
Fee $2 each (free if payable to self, or drawn on your Home Equity Line of Credit) |
Service Paper Statement Copy |
Fee $5 per statement (e-Statements free with enrollment) |
Service Research |
Fee $35 per hour |
Service Returned Deposited Item |
Fee $24 when item was written off an account owned by you |
Service Stop Payment (Check or ACH) |
Fee $19 per item; or multiple items within a range |
Service Temporary Checks |
Fee One free sheet (4 checks) per month; then $2 per sheet (4 checks) |
Item |
Fee |
---|---|
Item Appraisal |
Fee $500 single family or $650 2-4 family |
Item Credit Report |
Fee $34 for single person or married couple |
Item Discount Points |
Fee Each point is equal to 1% of the loan amount |
Item Flood Certification |
Fee $9 |
Item Lenders Inspection |
Fee $750 if construction loan, $375 for modular 5/1 ARM |
Item Origination Fee |
Fee Each point is equal to 1% of the loan amount |
Item Property Inspection |
Fee $125 final inspections for completion of property or other repairs |
Item Recording Fee |
Fee $230 |
Item Settlement Agent |
Fee $500–Bennington and Windham counties |
Item Tax Service Fee |
Fee $88 |
Item Title Insurance |
Fee $170 for $50,000 or less, $170 [(Loan Amount/1000-50) x 2.25 |
Item Title Search |
Fee $650 for purchase, $400 for refinance |
Item Underwriting |
Fee $375 |