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.

Telephone TransferFREE
Balance InquiryFREE
ATM SurchargeFREE
Statement Copy$1.00/page
Interim History$1.00/page
Returned Mail$2.00/item
Account Inactivity (after 12 months/per month)$2.00
Deposited Item Return$10.00/item
Stop Payment$20.00/item
Foreign Item Processing$20.00/item
Returned Item Fee (Unpaid - NSF)$0.75/withdrawal
Share Account Fees
Overdraft TransferFREE
OTIS Overdraft Privilege (Paid)$25.00/item
Over-the-Counter Checks$1.00/4
Check Copy$2.00/item
Check PrintingPrices vary by style
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
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)$25.00/item if opted into Reg-E
Replacement Card Rush Fee$50.00/card only; $70.00/card + PIN
Paper StatementsFREE
Online Bill Payer FREE
OTIS Online & OTIS Mobile FREE
Notary (Members Only)FREE
Money Order$1.00/money order
In-House Bill Payer Check$2.00/item
Gift Cards$2.50/card
Corporate ChecksFirst 3 FREE; $1.00/item after 3
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