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Personal Deposit Account Fees
Account balancing assistance (per hour) $25.00
Account research/ Account printout or document copy(per item - if less than 1 hour) $5.00
Account research (per hour) $25.00
ATM transactions at Security Federal machine Free
ATM transactions at another bank’s machine $1.50¹
Bank-to-bank transfers- Incoming ($1000 maximum limit) Free
Bank-to-bank transfers- Outgoing per transfer fee ($1000 maximum limit) $1.00
Cashier’s check $6.00
Chargeback (return deposited item) $8.00
Chargeback (return deposited item) - special handling $15.00
Check images with statements (per account/month) $2.00
Close account within 90 days of opening $25.00
Collection item - Canadian $25.00
Collection item - domestic $20.00
Collection item – foreign $75.00
Deposit ticket improperly encoded $5.00
Dormant account (per month)² $5.00²
Foreign currency (purchased or redeemed) $25.00
Insufficient Funds (NSF) - Returned Item Fee $35.00
iPay Person to Person ( per transaction) $1.00
iPay Gift Charge ( per transaction) $2.99
Items processed over account limit (per item) $0.30
Money market > 6 checks per month (per debit) $5.00
Negative balance closing fee $20.00
Overdraft exceeding 15 business days (per day) $5.00
Overdraft fee³ $35.00³
Overdraft transfer fee (per transfer) $5.00
Paper statements (per account, per month) $3.00
Photocopies (per page) $0.25
Redeposit $8.00
Replace ATM or VISA Check card $10.00
Returned mail fee (per month) $5.00
Savings withdrawals >3 per month (per withdrawal) $2.00
Stop payment $35.00
Tax levies and garnishments up to $100.00
Telephone transfer (does not include Bank-by-Phone or Netteller) $2.00
Wire transfer – incoming or outgoing $16.00
Wire transfer - foreign incoming $20.00
Wire transfer – foreign outgoing $50.00
Safe Deposit Boxes: 
3x5 (fee per year) $30.00
5x5 (fee per year) $35.00
3x10 (fee per year) $50.00
5x10 (fee per year) $75.00
10x10 (fee per year) $115.00
Late payment charge $10.00
Lost key/Replacement key $100.00
Drilling fee $150.00

¹ Per ATM transaction after 2 per month (other bank may impose an ATM surcharge)

² After 12 months of inactivity for checking and after 24 months of inactivity for savings and money market accounts

³ Fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means

Effective 12/01/2016

Insurance, Investment and Trust Products are: Not FDIC Insured, Not Bank Guaranteed, May Lose Value, Not Insured by any Government Agency, Not a Bank Deposit