Fee Schedule

At OTIS, we want to keep as much of your hard-earned money in your pocket as possible. We strive to have fewer, less costly fees than other financial institutions, but there are certain services or situations which may nevertheless incur a cost. Please review the Fee Schedule below to learn more, and, as always, don’t hesitate to reach out with any questions – we’re here to help.

ServiceFee
Telephone TransferFREE
Balance InquiryFREE
ATM SurchargeFREE
Statement CopyPersonal: $1.00/page
Business: $3.00/page
Interim History$1.00/page
Returned Mail$2.00/item
Account Inactivity (after 12 months)$2.00/month
Deposited Item Return$10.00/item
Stop PaymentPersonal: $20.00/item
Business: $25.00/item
Foreign Item Processing$20.00/item
OTIS Overdraft Privilege (Paid)
Personal Accounts Only
$25.00/item
Returned Item Fee (Unpaid - NSF)$25.00/withdrawal
Share Account Fees
Non-OTIS ATM Withdrawal$0.75/withdrawal
Account Closure$25.00 if account is closed within (3) months
Share Draft Fees
Overdraft TransferFREE
OTIS Overdraft Privilege (Paid)
Personal Accounts Only
$25.00/item
Over-the-Counter Checks$1.00/four (4)
Check Copy$2.00/item
Check OrdersPrices vary by style
Check PrintingPrices vary by style
Items ProcessedBusiness Checking: $0.25/item over 100
Business Premium Checking: $0.50/item over 200
Service Fee
Business Premium Checking Accounts Only
$5.00/month
Wire Fees
Wire Transfer (Incoming)FREE
Wire Transfer (Outgoing – US)$15.00
Wire Transfer (Outgoing – Foreign)$40.00
Wire Transfer (TriCorp FCU – Affiliated)$5.00
Loan Fees
Loan Payoff RequestFREE
Mortgage Payoff RequestFREE
Loan Payment Reversals$10.00 after 4 reversals in 1 year
Skip-A-Payment$25.00/eligible loan
Online Payment from Other Institution$5.00
ATM/Visa Debit Fees
ATM SurchargeFREE
ATM Inquiries & DenialsFREE
Non-OTIS ATM Withdrawal$0.75/withdrawal
Instant Issue Replacement Card Fee$10.00
Mail Replacement Card Fee$10.00
Returned Item Fee (Unpaid – NSF)$25.00/item if opted into Reg-E
OTIS Overdraft Privilege (Paid)
Personal Accounts Only
$25.00/item if opted into Reg-E
Replacement Card Rush Fee$50.00/card only; $70.00/card + PIN
Services
OTIS Digital BankingFREE
E-StatementsFREE
Online Bill PayFREE
Shared BranchingFREE
Notary
Members Only
FREE
Paper StatementsPersonal: FREE
Business: $5.00/statement
Photocopy$0.50/page
Money Order$1.00/money order
Fax$1.00/page
In-House Bill Payer CheckPersonal: $2.00/item
Business: $5.00/item
Gift Cards$2.50/card
Corporate ChecksPersonal: First 3 FREE; $1.00/item after (3)
Business: $1.00/item
Corporate Check/Money Order Copy$4.00/item
Account Research/Reconciliation$25.00/hour; 1 hour minimum
Legal Process$25.00/hour + Account Research hourly fee
Safe Deposit Box Key Replacement$25.00/key
Safe Deposit Box Drilling$350.00
Effective April 1, 2023