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MutualBank Personal Banking Fees

 
 
 

ATM/Check Card

 

Transactions at non-MutualBank ATMs: $2.00 *No fees at MutualBank ATMs or ATMs in the AllPoint Network. Visit allpointnetwork.com for participating ATMs.

 

Cashier's Checks

 

Customer: $5.00
Non-customer: $10.00

 

 

Coin Rolling Fee

 

$5.00 minimum, plus $0.10 per roll after the first 50 rolls.

Consumer Checking
Account Fees


Overdraft Fee: $37.00
This fee is assessed when we pay an item, allow a withdrawal, or return a deposited item resulting in a negative account balance. ATM and one-time debit card transactions will only be covered as an overdraft if you request and are approved for Overdraft Privilege. We will not assess this fee if your account is overdrawn $10.00 or less.

 

Non-Sufficient Funds (NSF) Fee: $37.00
This fee is assessed when we return an item because you do not have enough money in your account.

 

Returned Deposit Item Fee: $10.00
This fee is assessed when you deposit or cash an item that is returned unpaid. However, if the returned item results in a negative account balance, this fee will not be assessed, and the $37.00 Overdraft fee will apply.

 

Consecutive Overdraft Fees: If your account is overdrawn for five or more consecutive business days, we will charge an additional $5.00 per calendar day. Consecutive Overdraft Fees apply to overdrafts created by check, in-person withdrawal, ATM withdrawal, debit card transactions, ACH, or other electronic means, or account fees including but not limited to bank service fees. There is a limit of $190.00 on the total fees we can charge you for overdrawing your account per calendar day.
 

Stop Payment (Check or ACH): $30.00
Personal Checks: Fees are determined by style and number of checks ordered – call us or visit your local branch for current options and rates.

 

Estate Checks: $5.00 per 10 checks
Sweeps Transfer Fee: If you request and are approved for Overdraft Protection, you will be charged $3.00 each time funds are transferred from another account to prevent an overdraft.

 

Early Account Closing Fee: If your account is closed within 90 days of opening, we will assess a fee of $25.00.
 

Dormant Account Fee: If you do not make any transactions on your account for 12 consecutive months, we will assess a fee of $5.00 per month. A transaction is any account activity initiated by you, including deposits, withdrawals, transfers, and debit card transactions.

 

Currency Exchange Fee

 

$22.00 per transaction (MutualBank customers only)

 

Foreign Check Processed for Collection

 

Customer: If you deposit a check in a foreign currency (other than Canadian dollars), we will assess a fee of $35.00.

 

Late Payment for Safe Deposit Rental

 

$5.00 fee assessed for each late payment

 

Legal Processing Fees

 

If we are required to process a garnishment, citation, levy, or another form of legal process affecting your MutualBank account, we will assess the following fees:

- Garnishment, citation, or other form of legal process: $20.00

- Child Support Levy: $2.00

 

Loan Pay

 

When you make your loan payment from a non-MutualBank checking or savings account, the following fees apply:

- Pay online as a registered user: No Fee

- Pay online as a guest: $4.00 per payment

- Pay over the phone: $7.00 per payment

 

Medallion Stamps

 

Customer: No Fee

Non-customer: $25.00

 

Money Orders

 

$3.00 (MutualBank customers only)

 

Popmoney Fees

 

When you use the Popmoney service to transfer funds via MutualBank Online Banking or the MutualBank app, a fee of $0.50 per transfer will apply.

 

Research Fees

 

$30.00 per hour (fee minimum is one hour)

 

Return of Check Requiring Two Signatures

 

If you write a check that requires two signatures but only has one signature, the check will be returned and a $5.00 fee will be assessed.

 

Savings Account Fees

 

Dormant Account Fee: If you do not make any transactions on your account for 12 consecutive months, we will assess a fee of $20.00 per year. A transaction is any account activity initiated by you, including deposits, withdrawals, and transfers.
 


Returned Deposit Item Fee: $10.00
This fee is assessed when you deposit or cash an item that is returned unpaid.


Early Account Closing Fee: If your account is closed within 90 days of opening, we will assess a fee of $25.00.

 

TransferNow Fees

 

When you use the TransferNow service to transfer funds via MutualBank Online Banking, the following fees apply:

- TransferNow Incoming Standard: No Fee

- TransferNow Outgoing Standard: $1.00 per transfer

- TransferNow Next Day (Incoming or Outgoing): $3.00 per transfer

 

VISA Gift Card

 

$3.00 per card (MutualBank customers only)

 

Wire Transfers

 

MutualBank customers:

- Inbound Domestic Transfer: $15.00

- Outbound Domestic Transfer: $20.00

- Inbound InternationalTransfer: $20.00

- Outbound International Transfer: $35.00


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