Non-Personal Schedule of Fees

Effective 08.01.14

Revised 8/2014
Business Online Banking with Bill Pay & Quickbooks Download  Free
Account Closure < 90 days of open $30.00
Foreign Item Collection Items < $200  $25.00
Foreign Item Collection Items > $200  $25.00 + expenses
Cash Handling Fee for Cash Deposits <$5,000 per statement cycle No Fee
Cash Handling Fee for Cash Deposits >$5,000 per statement cycle $.14 per $100
Uncollected Funds Usage WSJ Prime +2%
Deposit Corrections/item  $6.50
Dormant Account- monthly (No account owner initiated contact on Checking for 1 year & Savings for 2 years)  $5.50
Charged Off Account  $35.00
Foreign ATM Fee - Our Fee for Using Non-VantageSouth ATMs $0.00
Third Party Fees: When you use a non-VantageSouth ATM, you may also be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer. Varies
ATM Debit Card Replacement $9.00
ATM/Debit Card Replacement Expedited Service $75.00
Debit Card Foreign Transaction Fee - An International Service Assessment (ISA) fee will be applied to each international debit card transaction by the processing overseas bank (if applicable). Varies
Overdraft Item Fee (each item) $36.00 
NSF: Returned Item Fee (each item) $36.00 

Additional Information related to Overdraft/Insufficient funds:

  • When we determine that you do not have enough available funds in your account to cover an item, then we either authorize and pay the item and overdraw your account (an overdraft item), or we decline or return the item unpaid (an NSF: returned item).  Some common examples of items are a check, in-person withdrawal, ATM withdrawal, or other electronic means.
  • We do charge you an Overdraft Item fee on an ATM transaction or an everyday non-recurring debit card transaction.  We do charge you an Overdraft Item fee each time we authorize and pay any other type of overdraft transaction.
  • We do not charge you an NSF: Returned Item fee when we decline an ATM transaction or debit card transaction.  We do charge you an NSF: Returned Item fee each time we decline or return any other type of transaction unpaid.
  • We will charge no more than five (5) overdrafts fees per day, for a maximum total of $180.00.
  • For more information about our Overdraft Protection plans and overdraft practices, please refer to our "What You Need to Know About Overdrafts and Overdraft Fees" notice and "Discretionary Overdraft Privilege Disclosure."
 Extended Overdrawn Balance Fee/day* $5.00 
  • The Extended Overdrawn Balance Fee applies when we determine that your account has been overdrawn for 1 consecutive business day.  You can avoid this fee by depositing enough available funds in your account to cover your overdraft plus any fees that we have assessed.
  • For each time that your account is overdrawn 1 consecutive business day, we charge one Extended Overdrawn Balance Fee.  The Extended Overdrawn Balance Fee is in addition to applicable Overdraft Item Fees and NSF: Returned Item Fees.
Returned Deposit Item - Chargeback $6.50
Returned Deposit Item - Re-deposited $2.50
Returned Deposit Item - Customer Pick Up $7.00

Withdrawals/transfers for checking accounts that do not have regulatory* withdrawal limitations.

*Federal regulations limit third party transactions (drafts or debit card) and preauthorized or automated transfers (including online banking or bill payment services, ACH, and overdraft protection transfers) to six per statement cycle on savings and money market accounts.  Continued transactions, over the regulatory limit, will result in the money market or savings account being closed or converted to a checking account.

No Fee
Money Market Accounts > 6 withdrawals (for each) $10.00
Savings Accounts > 3 withdrawals (for each) $10.00
ACH & Wire Secure Token Replacement $75.00 
Official Checks: Customer  $7.50
Counter Check  No Fee
Check Copy < 1 year old/item  $2.50
Check Copy > 1 year old/item  $12.00
Non-customer check cashing fee  $5.00
Coin Supplied/roll $0.12
Coin Supplied / Fed-Ready Bag  $7.00
Currency Supplied / strap of 1,000  $0.75
Courier Bags / 100 $50.00 
Deposit, Loan or Mortgage Verification / each  $11.00
Fax Service (Send or Receive ) - 1st page  $2.50
Fax Service ( Send or Receive ) - each additional page  No Fee
Legal Processing (garnishments, tax levies, etc.) / per occurrence $125.00
Night Drop Bag Disposable (1) $1.00
Night Drop Bag Disposable (25) $15.00
Night Drop Bag Disposable (100) $50.00
Night Drop Bag Lockable $37.50
NIght Drop Key Replacement $25.00
Night Drop Depository / dropped deposit $1.00
Research and Statement Balancing / hour $28.00
Safe Deposit Box – box size/price (per year)  
    2 x 5 $35.00
    3 x 5 $40.00
    4 x 5 $45.00 
    5 x 5 $50.00
    3 x 10 $60.00
    4 x 10 $65.00
    5 x 10 $80.00
   10 x 10 $120.00
   SDB Key Replacement  Cost
   SDB Drilling & Replacement Lockbox  Cost
   SDB Billed Fee (if not on auto draft) $10.00
   SDB Late Payment Fee  $10.00 
 Statement Print-out in Branch (since previous statement) $5.50
Statement Copy < 1 year old/item $5.50
Statement Copy > 1 year old $12.00
Statement HOLD / request $10.00
Statement Request (special cut-off date, mailing) / month $25.00
Statement via CD ROM / month $25.00
Stop Payment Request / branch call $36.00
Stop Payment Request / Online Banking $20.00
Telephone Transfers / branch call No Fee
Wire Transfer - Domestic Incoming (each) $16.00
Wire Transfer - Domestic Outgoing (online/each) $12.00
Wire Transfer - Domesting Outgoing (in-branch) $25.00
Wire Transfer - International Incoming (each) $16.00
Wire Transfer - International Outgoing (each) $55.00
Wire Transfer - International Outgoing (online/each) $35.00


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