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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 Market Excess Transaction Fee (monthly) – $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, per withdrawal from savings account) – $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

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

1Does not apply to Youth Savings Accounts.
225 free per year for MountainOne Bank customers.
3Item that is authorized by you – check, ACH, or other electronic means.
4Items are defined as each deposit, each deposited item and each check paid.
5Fees are offset by an earnings credit, disclosed at time of account opening and is subject to change at any time.

SCHEDULED MAINTENANCE: Digital Banking may be unavailable on Sunday, May 19, between 12:00am–4:00am for routine system maintenance. Please submit any transactions before or after this timeframe. Thank you!

HOLIDAY NOTICE: In observance of Memorial Day, all MountainOne offices will be closed Monday, May 27. As always, our Digital Banking services are available 24 hours a day.