Fee Schedule


  • Overdraft Fee - $35.00 Lucky Checking - $30.00 All Other Checking Accounts
  • NSF Return Item Fees - $35.00 Lucky Checking - $30.00 All Other Checking Accounts
    • The NSF return item fee is assessed per item per presentment.  Therefore, a single item presented more than once will have a fee assessed each time presented.
    • The maximum amount of Overdraft Fees and NSF Return Item Fees will be limited to three fees per day.   For example: the account may have three overdraft items and two NSF return items on one day.   The maximum fees charged would be limited to three fees.
  • Daily Overdraft Maintenance  Fee- $4.00*
  • Stop Payment (ACH or Check) - $35.00
  • Paper Statement Fee - $5.00**
*Daily overdraft maintenance fee will begin charging on the 8th consecutive business day that the account has been overdrawn.
** Applicable to designated Checking and Savings account products. Some Account products exempt. See Account product details for information.
  • Customer - $3.00
  • Non-customer - $10.00
  • Club customer - Free
  • Customer - $1.00
  • Non-customer - $5.00
  • Club customer - Free
  • Customer - $15.00
  • Customer - $2.00
  • Non-customer - $5.00
  • Club customer - FREE

Domestic Wire

  • Outgoing - $20.00
  • Club customer - FREE

Foreign Wire

  • Outgoing - $45.00
  • Per sweep if more than $500 - FREE
  • Per sweep if $499 or less - $2

Box Size (sizes may vary by bank location) - Annual Fee:

  • 3 x 5 - $25
  • 4 x 5 - $25
  • 3 x 10 - $40
  • 5 x 10 - $50
  • 10 x 10 - $70

Other fees:

  • Vacation - $20 per week
  • Drill box - $150
  • Lost key - $20 per key
  • Late Fee - $15 (annually, if payment is received 10 calendar days or more following due date)
  • Debit card - FREE
  • ATM card - FREE
  • Transaction fee at Shamrock ATMs - FREE
  • Transaction fee at foreign ATMs - $1.50 per transaction
  • Reissue card - $5 per card
  • Reissue PIN - $2 per PIN
  • Snapshot Statement - $5.00
  • Research - $22 per hour, 1 hour minimum plus $1 per page
  • Charge back item - $5.00
  • Undeliverable/returned mail - $2.00
  • Dormant account (monthly) - $8.00*
  • Online Banking - FREE
  • Mobile Banking - FREE
  • BillPay - FREE
  • Telephone transfer - $1.00
  • Amortization schedule - $2.00
  • Coupon book replacement - $5.00
  • Check printing charges - Vary by style
  • ACH Authorization - $10.00
  • ACH Transfer - $5.00
  • Check Cashing (non-customer) - Greater of 1% or $5.00
  • Coin Machine:
    • Customer - FREE
    • Non-customer - Greater of 1% or $5.00

* After 6 months no activity for DDA accounts/After 24 months no activity for Savings accounts.