Fee Schedule

Effective 12/31/2023
Per item unless otherwise noted. Items in bold include updated information.

• Account Inactivity Fee (per month)
  Checking and Savings accounts with balances less than $100 after 6 months¹ – $5.00
• Account Closed within 6 months of opening¹ – $25.00
• Attachment/Levy – $100.00
• Account Research (per hour/one hour minimum) – $50.00
• ATM/Debit Card Replacement
  Card Replacement – $10.00
  Expedited Card Request – $25.00
• ATM Surcharges assessed by non-MountainOne Bank ATM owners will be rebated at the end of the month for the following:
  VISTA Premier Checking & VISTA Personal Money Market – unlimited
  Pinnacle Value Checking & Pinnacle Money Market Checking – up to $20.00
  VISTA Business Checking & VISTA Business Money Market – up to $12.00
• Check Collection (fees assessed by other institutions for collection of a check will be added to these fees)
  Domestic (only includes fees passed on by other institutions)
  Canadian – $20.00
  Foreign – $35.00
• Copies
  Paid Check² – $3.00
  Document or other items – $5.00
  Interim or duplicate statement – $5.00
• Escheatment Fee (per account) – $50.00
• Foreign Currency Issue/Exchange – $10.00
• Garnishment – $75.00
• Horizon eChecking Account Paper Statement Fee (monthly) – $5.00
• Individual Retirement Account – Trustee to Trustee Transfer Fee (outgoing only) – $30.00
• Lost Passbook Fee – $10.00
• Money Order – $2.00
• Notary Fee (non customers) – $1.25
• NSF (Insufficient Funds) Paid Fee – $32.00
• NSF (Insufficient Funds) Paid Fee for 18/65 accounts – $5.00

The following fees are charged each time an item³ is presented and may be charged each time an item is represented and returned for NSF (insufficient funds).

NSF (Insufficient Funds) Returned Fee – $32.00
NSF (Insufficient Funds) Returned Fee for 18/65 accounts – $5.00

• Overdraft Privilege Limit Fee – $32.00
• Overdraft Privilege Limit Fee for 18/65 accounts – $5.00
• Overdraft Protection (ODP) Transfer Fee (per transfer, no charge for VISTA Banking customers) – $5.00
• Returned Check Charge (item you deposited) – $7.16
• Safe Deposit Box Key Replacement – $35.00
• Safe Deposit Box Drilling (plus cost to bank) – $125.00
• Stop Payment – $25.00
• Treasurer’s Check (1 free per day) – $5.00
• Wire Transfer
  Domestic – Incoming – $15.00
  Domestic – Outgoing – $25.00
  International – Incoming – $15.00
  International – Outgoing (additional processing fees may apply) – $50.00
• Business Services (monthly)
  Positive Pay – $25.00
  Remote Deposit Capture (RDC) for scanner – $40.00
  Same Day ACH – $10.00
• Pinnacle Business Checking
  Monthly Inactivity Fee for customers with no transactions and account balances less than $1,000 for 3 months – $10.00
  Per Item Fee (first 250 free)⁴ – $.25
• VISTA Business Checking
  Monthly Maintenance Fee⁵ – $15.00
  Monthly Inactivity Fee for customers with no transactions and account balances less than $1,000 for 3 months – $10.00
  Unlimited Monthly Items⁴
• Community Partner Checking
  Per Item Fee (first 100 free)⁴
  Monthly Inactivity Fee for accounts with no transactions and account balances less than $100 for 6 months. – $5.00

Our Privacy Policy has not changed and you may review our policy and practices with respect to your personal information at www.mountainone.com or we will mail you a free copy upon request if you call us at 855.444.6861.

If you are 65 years of age or older or 18 years of age or younger, you may be eligible for certain account fee waivers and discounts.

Please contact us for further details.