Fee Schedule for
Personal Accounts

Effective September 1, 2015
** Fees subject to change **
Checking Accounts2
Advantage Gold Checking
Maintenance Service Charge: $20.00
If combined average daily balance falls below $15,000.00.
CheckIT Checking
Maintenance Service Charge: NONE
Free Plus Checking
Maintenance Service Charge: NONE
I-Checking
Maintenance Service Charge: $5.00
If average daily balance falls below $500.00
Money Smart Checking
Maintenance Service Charge: NONE
The Works Checking
Maintenance Service Charge: NONE
Money Market Accounts
Excessive Transaction Fee
$10.00 each
Advantage Money Market
Maintenance Service Charge: $3.00
If average daily balance falls below $1,000.00
i-Money Market
Maintenance Service Charge: $3.00
If average daily balance falls below $1,000.00.
Investors Money Market Account
*Maintenance Service Charge: $3.00
*If average daily balance falls below $1,000.00.
Savings Accounts2
Excessive Transaction Fee
$10.00 each
Statement/Passbook
Maintenance Service Charge: $2.00
If average daily balance falls below $200.00 (Fee waived if combined average daily balance in all deposit accounts is $2,000 or more.)
I-Savings
Maintenance Service Charge: $2.00
If average daily balance falls below $200.00 (Fee waived if combined average daily balance in all deposit accounts is $2,000 or more.)
Money Smart Savings
Maintenance Service Charge: NONE.
CheckIT Savings
Maintenance Service Charge: NONE.
Club Accounts
Maintenance Service Charge: NONE.
ATM Service Charges
Transactions at our ATMs
Free
3,4Transactions/Inquiries at Non-HarborOne ATMs
$1.25 each
Replacement Visa Debit Card
$10.00
Rush Replacement Fee
$60.00
VISA Int'l Service Assessment
1% US Dollar Amount
Other Service Charges/Fees
Account Reconciliation/Research
$20.00/hour (1 hour minimum)
Check Orders
Per Schedule
Check Photocopy
$2.00
Club Account Withdrawal Penalty
$5.00
Duplicate Statement
$3.00 each
Escheatment Fee (per account)
$100.00
Foreign Check Collection
$35.00
Gift Checks
$2.50 each
*Garnishment Fee
$75.00
1Money Orders
$2.00 each
Official Checks
$2.50 each
Online Banking & Bill Payment
Free
Overdraft Transfer Fee
$5.00
Retirement Plan Transfer Fee
$25.00
Signature Guarantee
$5.00/per document
*Stop Payments
$32.50 each (Checking and Direct Debits and Treasurer's Checks)
Telephone Loan Payment Request
$14.95 (From an External Account)
Temporary Checks
$3.00/for nine checks
Traveler's Checks for One
$1.75% of value
Traveler's Checks for Two
2% of value
Overdraft Charges, Insufficient funds Charges returned (NSF) & Uncollected funds Charges
2Insufficient Funds Charge-Paid (Overdraft)
$32.50 (For each debit transaction more than $5.00 that creates an overdraft on your deposit accounts up to a Maximum of 5 charges per day)
2Insufficient Funds Charge-Returned (NFS)
$32.50 (For each debit transaction more than $5.00 returned unpaid due to Insufficient Funds up to a Maximum of 5 charges per day)
2Uncollected Funds Charge-Paid (Overdraft)
$32.50 (For each debit transaction more than $5.00 that creates an overdraft on your deposit accounts up to a Maximum of 5 charges per day.)
2 Uncollected Funds Charge-Returned Item
$32.50 (For each debit transaction more than $5.00 presented against an uncollected balance on your deposit account up to a Maximum of 5 changes per day.)
Wire Transfer Fees
*Domestic Incoming Wire Transfer Fee
$15.00
*Domestic Outgoing Wire Transfer Fee
$25.00
International Incoming Wire Transfer Fee
$40.00
*International Outgoing Wire Transfer Fee
$40.00
Safe Deposit Box Annual Rental
*3x5
$55.00
*5x5
$75.00
*3x10
$85.00
*5x10
$115.00
*7x10
$145.00
*10x10
$200.00
Late Payment Fee
$10.00
Lost Safe Box Key
$20.00
Safe Box Drilling Fee
$150.00-$250.00

* Change from previous schedule

1 Fee Waived for Advantage Gold Checking Customers

2Special rules apply if account owner is 18 years old or younger or 65 years old or older, ask for details

3Fee waived for Advantage Gold Checking or The Works Checking customers with Direct Deposit

4Fee waived for the first 8 ATM withdrawals on the CheckIT Checking account.

Important Account Information & Disclosures