Personal Schedule of Fees and Service Charges
Life can take you in many directions. Our resourceful, simple to understand banking products and services can help you along the way.
Visa Debit Card
Use your VISA Debit card to make purchases anywhere VISA is accepted. It works like a check and debits your checking account. There is no annual fee with a relationship deposit account of $5,000 or more. Learn more about checking and debit cards.
Check Out "GOLDPhone"
Call (719)530-8888 - To enjoy the convenience of your own 24 hour information line. GOLDPhone provides easy access to your account balances, bank information, and other rate and product details. Outside the local area, call 1-800-201-0557.
Free Online Banking
Access your accounts, print account histories, transfer funds, initiate stop payments, change account descriptions, download to spreadsheets and money management programs, pay bills, make loan payments, reorder checks, etc. Learn more about online banking.
Overdraft Line of Credit
Protect your checking account by applying for an overdraft line of credit. The amount of the line depends on the applicant's qualifications. The annual fee is $20. Interest is charged on the balance with monthly payments of 10% of the balance plus other products.
Other Services
- Safe Deposit Boxes
- ATM Machines
- Travelers Checks
- Travelers Checks for Two
- Money Orders
- Bank Checks
- Collector Coins
Safe Deposit Box Rentals
| Small 3x5 | $15.00 year |
| Square 5x5 | $20.00 year |
| Medium 3x10 | $25.00 year |
| Large 5x10 | $40.00 year |
| Extra Large 10x10 | $60.00 year |
Contents of safe deposit boxes are not FDIC insured.
Checking Fees
| Checking Accounts | Checking Accounts will be closed after there have been five (5) returned checks for insufficient funds in a month's term. |
Other Fees and Service Charges
| Temporary Checks | $.50 per check |
| ATM Annual Fee | $15.00 |
| Replacement Fee for Lost or Damaged ATM or Visa Debit Card |
$20.00 |
| Stop Payment Order | $25.00 |
| Overdraft Check Charges | $30.00 |
| Return Deposit Item | $5.00 |
| Phone Transfers | No Charge - limited to 3 per mo. |
| Fee for automatic Loan Payments | No Charge |
| Cash Advance (Customer) | No Charge |
| Return Mail Fee | $4.00 per month (after 2nd month of return mail) |
| Collections, Incoming and Outgoing | $25.00 |
| Garnishments and Levies | $100.00 |
| Money Orders | $2.00 each |
| Bank Checks | $5.00 each |
| Traveler's Checks (Customers) | No Charge |
| Wire Transfer - International | $50.00 |
| Wire Transfer | $20.00 |
| Special Statements | $5.00 |
| Statement or Check Photocopies | $5.00 each |
| Check Cashing | No Charge to Customers |
| Research and Reconciliation | $25.00 per hour |
| Account Balancing Assistance | $50.00 per hour |
| Early Account Closing Fee (Within 90 days of opening date) |
$25.00 |
| Visa Debit Cards Annual Fee | $15.00 |
| Visa Debit Cards Annual Fee (With relationship account(s) of $5,000 or more) |
No Charge |
| Dormant Account Fee | $5.00 per month |
| ATM/Visa Card user fee - if card is used at another bank |
$1.00 per transaction |
| Roll Coin | $1.00 per roll |
| Online Banking w/ Bill Payer | No Charge |
| Negative Balance Charge | 18.00% Annual Percentage Yield |
