| SAVINGS AND CHECKING ACCOUNT FEES | ||
| Account Re-opening (within 12 months of closure) | $15.00 | |
| Account Research | $25.00/hour | |
| Check Copy | $4.00 each | |
| Check Orders | Varies | |
| Checking, Boomerang Rewards | FREE | |
| Checking, Business | Varies | |
| Checking, Fresh Start | $15/month | |
| Checking, Hero Rewards | FREE | |
| Closed Account (within 12 months of opening) | $10.00 | |
| Courtesy Pay | $30.00 | |
| Foreign Check Processing | $30.00 | |
| IRA Closed Account (within 12 months of opening) | $30.00 | |
| Non Sufficient Funds (NSF) | $30.00 | |
| Overdraft Transfer | $3.00 | |
| Return Deposit Item | $30.00 | |
| Stop Payment | $30.00 | |
| Temporary Checks | $2.00/page | |
| ELECTRONIC SERVICE FEES | ||
| Online Banking | FREE | |
| Account to Account Transfers - Incoming | FREE | |
| Account to Account Transfers - Outgoing | FREE | |
| Bill Pay | FREE | |
| Bill Pay Next Day Overnighted Checks | $30.00 | |
| Bill Pay Same Day Payment | FREE | |
| Bill Pay Stop Payment Fee | $30.00 | |
| Credit Union Assisted ACH | $15.00 | |
| eStatement | FREE | |
| Returned ACH Payment | $30.00 | |
| Online ACH Payment | FREE | |
| Online Check Image | FREE | |
| ATM/DEBIT CARD FEES | ||
| ATM/Debit Card Replacement | $10.00 | |
| Express Delivery of ATM/Debit Card | $45.00 | |
| Foreign ATM Withdrawals/Transfers/Inquiries | $2.00 each | |
| Inquiries (over 3 per month) at FreeStar Financial ATMs | $1.00 each | |
| VISA CREDIT CARD FEES | ||
| Annual Fee | NO ANNUAL FEE | |
| Balance Transfer Fee | NO CHARGE | |
| Card Replacement | $10.00 | |
| Cash Advance | 3% of transaction, or $10 (whichever is greater) | |
| Late Charge | $25.00 | |
| Over Limit | NO CHARGE | |
| Pay By Phone through VISA Customer Service | $15.00 | |
| PIN Replacement | $5.00 | |
| Return Payment | $30.00 | |
| Rush Delivery | $40.00 | |
| Sales Draft Copy | $5.00 | |
| Statement Copy | $2.00 | |
| CONSUMER LOAN FEES | ||
| Documentation Fee (For loans between $2,000 and $4,999.99) | $30.00 | |
| Documentation Fee (For loans $5,000 or more) | $40.00 | |
| Filing and Recording Fees | As low as $16 | |
| Late Fee | 20% of Interest Due or $25 (whichever is greater) | |
| Outstanding Lien Verification | $50.00/month | |
| Non-Sufficient Funds (NSF) Loan Payment | $30.00 | |
| Overnight Fee | As Low as $35 | |
| Refinance FreeStar Financial Loan | $100.00 | |
| Skip-a-Payment | $35.00 | |
| Title Processing Fee | As low as $16 | |
| MORTGAGE/HOME EQUITY LOAN FEES | ||
| Appraisal | As low as $490 | |
| Appraisal - Jumbo | As low as $475 | |
| Appraisal - VA | As low as $525 | |
| Closing Fee | $400.00 | |
| Early Termination Fee - HELOCs (paid off within 3 years) | $250.00 | |
| Escrow Waiver | FREE | |
| Flood Certification | As low as $10 | |
| Forbearance | $50.00 | |
| HELOC - Annual Fee | $75.00 | |
| Income Verification Fee | As low as $45 | |
| Individual Credit Report | As low as $80 | |
| Joint Credit Report | As low as $160 | |
| Mortgage Cost Total (estimated) | As low as $975 | |
| Mortgage Discharge Recording | $30.00 | |
| Mortgage Modification (once per mortgage) | $500.00 | |
| Mortgage Origination Fee | $975.00 | |
| Non-Sufficient Funds (NSF) Loan Payment | $30.00 | |
| Payoff Quote Fee for Mortgage/HELOC (requested by a 3rd Party) | $10.00 | |
| Subordination Fee | $300.00 | |
| Tax Service | $75.00 | |
| Title Company Processing Fee | As low as $135 | |
| VA Application Fee | As low as $575 | |
| VA Origination Fee | 1% less $500 | |
| OTHER SERVICE FEES | ||
| Account History (per page) | $1.00 | |
| Bad Address Maintenance (per month) | $5.00 | |
| Corporate Draft (payable to 3rd party) | $3.00 | |
| Dormant Account (No Activity, 1 year) | $5.00/month | |
| Duplicate Statement Copy | $2.00 | |
| Escheat Fee | $100.00 | |
| Garnishment/Levy Processing Fee | $75.00 | |
| Identity Theft Protection | Varies | |
| Legal Processing | $75.00 | |
| Mailing Charges | At Cost | |
| Money Orders | $3.00 | |
| Notary Public Service | FREE | |
| Paper Statement | $2.00 | |
| Verification of Deposit | $5.00 | |
| Wire Transfer - Domestic | $25.00 | |
| Wire Transfer - Foreign | $50.00 | |
| Wire Transfer - Incoming | $5.00 | |
| NON-MEMBER SERVICE FEES | ||
| ATM Withdrawal | $3.00 | |
| Check Cashing (FreeStar Financial checks only) | $10.00 per check | |
| Collection Item Fee | $50.00 | |
| Notary Public Service | $10.00 | |
|
ALL FEES ARE SUBJECT TO CHANGE. FEE SCHEDULE EFFECTIVE February 1, 2026 |
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