| Dormant Account Fee (Monthly fee after 2 years of no customer initiated activity) | $5.00 |
| Insufficient Funds (per paid item) | $30.00 |
| Insufficient Funds (per returned item, each time an item is presented/re-presented) | $30.00 |
| Overdraft Transfer Fee - Automatic transfer from checking or saving to cover overdraft items (per transfer) | $3.00 |
| Cancelled Check Copy (per item) | $5.00 |
| Duplicate Statement | $5.00 |
| Paper Statement Fee | $3.00 |
| Paper Statement Fee with check images | $10.00 |
| Account Closed within 90 days of opening | $20.00 |
| Check Printing | Varies by Style |
| Excessive Transaction Fee- Per Month (Savings and Money Market Accounts Only) | $10.00 |
| Cashier’s Check* | $4.00 |
| Transactions at In-Network ATMs | FREE |
| Transactions at out-of -Networks ATMs | FREE |
| Bill Pay Fee (If enrolled in Bill Pay but did not make at least 1 Bill Pay payment in the previous month the charge is $4.95 per month) | Free with usage |
| Debit Card Replacement | $15.00 |
| Stop Payment ($15.00 if initiated through on-line banking) | $25.00 |
| Wire Transfer (Incoming) | $20.00 |
| Wire Transfer (Outgoing Domestic) | $25.00 |
| Wire Transfer (Outgoing International) | $40.00 |
| Foreign Check – Canada | $20.00 |
| Foreign Check – Other Countries | $40.00-$100.00 |
| Returned Deposited Item | $10.00 |
| Research (per hour, ½ hour minimum) | $20.00 |
| Escheatment Fee | $30.00 |
| Legal Processing (Levy, Garnishment, etc.) | $75.00 |
| IRA Annual Fee | $25.00 |
| IRA Transfer fee (to another financial institution) | $25.00 |
*First check FREE per day
* APY = Annual Percentage Yield. The information above is accurate as of 1/20/2026. Rate and APY are determined at the bank’s discretion. Promotional rate applies to CDs opened with a minimum of $5,000 in new money. New money must be funds not currently on deposit with the bank. Rate is for the initial term only and will renew to closest standard term product at the published rate at that time. Call or visit our financial center for additional details. Fees may reduce earnings and an early withdrawal fee may be imposed. Fortuna Bank reserves the right to end the offer at any time. All deposits are subject to the Account Terms and Conditions. Member FDIC.
