Schedule of Fees

The following FEES may be assessed against your account
Overdraft Fee (created by check, in-person withdrawal and/or other electronic means*) $35.00
Non-Sufficient Funds (Return Item Fee) –
(created by check, in -person withdrawal and/or other electronic means*)
Stop Payment (Stop Pay Charge) $35.00
Verification of Deposit $10.00
Proof of Funds Letter (Verification of Funds) $10.00
Wire Transfer Fee – Incoming $15.00
Wire Transfer Fee – Outgoing $20.00
Wire Transfer Fee – International Outgoing $50.00
Wire Transfer Fee – International Incoming $20.00
Cashier’s Check $5.00
Collection Item Outgoing – Domestic or Foreign (Collection Fee) $15.00
Garnishment/Levy Fee $100.00
Interim Statement or Reprint Statement $3.00
Check Copy (per check) $1.00
Account Subpoena / Research / Balancing (per hour plus .25 per copy) $25.00
Early Account Closing Fee (within 90 days) $20.00
Bank Assisted Funds Transfer (Telephone Transfer Special Fee Per Transaction) $5.00
Overdraft Protection (IFMS Transfer Fee – per transfer) $7.00
Debit Card or PIN (Personal Identification Number) Expedited Order (EFT Service Charge) $75.00
Replace / Reissue ATM / Debit Card (EFT Service Charge) $5.00
ATM (Automated Teller Machine) Withdrawal Special Fee (non-Rabun County Bank ATM usage fee) $1.00
Dormant Account (after 12 months) (Service Charge) (Per month/maximum) $5.00/$60.00
Excessive Fee – Savings Account & Money Market Account $7.00
Replacement Loan Coupon Book $5.00
Bank Assisted Loan Payment Funds Transfer $5.00
Foreign Currency Exchange or Order (fee plus Third Party Processing Fee) $20.00
Personal Reserve Account Returned Check $15.00
Personal Reserve Account Late Charge $10.00

*Automated Teller Machine (ATM) withdrawals and Point-of-Sale (POS) debit card transactions are excluded.

3 x 5 $35.00
5 x 5 $45.00
3×10 $55.00
5 x 10 $75.00
10 x 10 $100.00
Safe Box Drilling $175.00
Key Replacement $25.00
Past Due After 30 Days $10.00/month

Schedule of Fees

Effective December 1, 2022

Fees may change.

Check printing fees vary by the style of check ordered.

Member FDIC