Membership & Account Fees

Effective July 1, 2014

New Member Fees

Fee ItemRateNote
Membership Fee $ 0.00


Checking Account Fees

Fee ItemRateNote
Dividend Checking Account Fee $ 4.00 Per month, if minimum balance drops below $500.
Clean Slate Checking  Fee $10.00 for first 6 months / $5.00 for next six months
Overdraft Transfer $5.00 Free for Direct Advantage members.
NSF Fee $ 23.00 Direct Advantage fee only $19
Returned Deposit Fee $ 23.00 Direct Advantage fee only $19
Share Draft Copies $ 2.00 Free for Direct Advantage members.
Stop Payment Fee $ 19.00 For both draft and electronic combined
Check Printing Charge $ Varies Price depends on chosen check style.
Temporary Checks $ 0.00 No charge for new accounts. (Limit 4)


top of page

EFT/ATM Fees

Fee ItemRateNote
ATM Transactions $ 0.00 Free at KaiPerm-owned ATMs or affiliated ATMs.
ATM Withdrawals $ 1.50 Each after first 5 per month.
ATM Inquiries $ 1.00 Each inquiry.
ATM/Visa Debit Card Issue $ 10.00 Per card. Free for Direct Advantage members.
ATM/VISA Debit Card renewal
$ 10.00 No fee for Direct Advantage members; 3 year renewal.
ATM/Debit Card Replacement $ 10.00 No fee for Direct Advantage members
PIN Replacement $ 0.00 No charge.
Prepaid VISA Debit Card               $3.50 ($8.50 for personalized cards)


top of page

Other Fees

Fee ItemRateNote
Copy of Statement $ 2.00 Per statement. Free for Direct Advantage members
Outgoing Wire / Western Union Transfer Fee $ 15.00 U.S. ($5.00 for Direct Advantage members)
Outgoing Wire / Western Union Transfer Fee $ 35.00 International. ($15 for Direct Advantage members)
Corporate Drafts               $3.00 Non-Direct Advantage members. Free, if payable to Title company.
Corporate Drafts $ 5.00 Non-members (merchants replacing member checks)
 Inactive Account Fee $ 0.00
Low Share Balance (Aggregate) $ 2.25 Per month. Maintain a $100 balance to avoid fee. No fee for Direct Advantage members
Copies $ 0.50 Per copy.
Legal Process $ 20.00
Collection Items $ Varies At cost.


top of page

site by copious