Personal Fees

Rates effective 10/09/2024

Understanding ATM Fees

There are two types of ATM fees that can be charged:

  1. A fee that can be applied by the financial institution that holds your card every time you use it and
  2. 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 Fees

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.

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

Account Fees

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 Fees

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)

Mortgage Closing Costs

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
$400–All other 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