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Service Charges & Fees

Below is a list of the service charges and fees for our personal accounts effective July 1, 2019.

Cashier's Checks $2.00 each
Personal Money Orders $2.00 each
Printed Check Orders Varies with style
Deposit Item Returned $10.00 per item
Overdraft Item Charge $32.00 per item
Return Item Fee

Insufficient Fund Fee

Overdraft Item Charge/Return Item Fee
$32.00 per item

$32.00 per item

Daily maximum $224.00
Continuous Overdraft Charge1 $3.00
Stop Payment Charge* $10.00 per item
Account Research $25.00 per hour
$25.00 minimum
Account Reconciliation $25.00 per hour
$25.00 minimum
Copy of Cancelled Check $1.00 per page
Duplicate Statement $5.00
Coin Counting 5% of total (non-customers)
Rolled Coin (per roll) $0.10 (non-customers)
Foreign Currency $20.00 purchase
$20.00 redemption
Foreign Item Deposit $10.00
Notary FREE
Medallion Signature Guarantee*** FREE to customers only
Check Cashing (non-customer) 2% of total
Duplicate Tax Form (per form) $5.00
Garnishment/Levy $75.00
Account Closed - within 6 months $25.00
Dormant Account Fee - no activity within 2 year's time $5.00 per month
Failure to Update Address $5.00
Consumer Coupon Books $10.00
Rejected Checks $5.00
Replacement Debit Cards $5.00
PIN Re-issue $5.00
ACH or AFT Modification $5.00
Check Images with Paper Statements $2.50 per month

* Indicates a change in service charge or fee
*** Not available at St. Paul or Rochester branches

1Should you overdraw your account, we may assess an overdraft item charge. Our current overdraft item charge is $32. We will also assess a $3 continuous overdraft charge. A continuous overdraft charge is a daily charge for an outstanding overdraft status. Typically, we will charge this continuous overdraft fee after the 3rd business day and for each business day that your account is overdrawn and continues to have a negative (overdraft) balance.  Business days are Monday through Friday, excluding federal holidays.


Incoming Wire Transfer $10.00 per transfer
Outgoing Wire Transfer $22.00 per transfer
$52.00 intl transfer
Sweep Transaction Charge (per transaction) $5.00
Internet Banking Transfer FREE
24 - Hour Voice Response FREE
3x5** $25.00
4x5*** $30.00
5x5*** $40.00
3x10 $45.00
4x10*** $50.00
5x10 $55.00
10x10 $75.00
Key Replacement $30.00
Lock Drilling $200.00
Lock Drilling & New Lock $300.00

Safe Deposit Boxes not available at Holmen branch
** Not available at Onalaska or Rochester branch
*** Not available at St. Paul or Rochester branches