Additional Fees and Service


Service Fee
*NSF/OD Item greater than $10.00 $22.50 per item
NSF/OD Item $10.00 or less
*There will be no fee assessed for an item that creates an overdraft balance of $10.00 or less.
$12.50 per item
*Overdraft Balance daily charge after the 7th day $3.00 per day
Stop Payment Charge $25.00 per item
Deposited Check Return Charge $3.00 per item
Account Research & Reconciliation $20.00 per hour
(1-hour minimum)
Document Copies $1.00 per page
Special Statements $5.00
Check Cashing ---- Non Customer ($1,000 limit) $10.00
City Bank Official Checks 
 ∟ $1.00 - $250.00 $2.00 per item
 ∟ $250.01 and above $5.00 per item
Outgoing Wire fee $25.00 per item
Gift Card $6.00
Travel Card (reloadable) $9.00
Companion Card $2.50
 ∟ Reload Fee $4.50
Collection Items $10.00 plus external bank charges
Night Deposit Bags $30.00
Small Zipper Bags $5.00
Telephone Transfers $1.00
Legal Processes (Garnishes, Tax Levies, etc.)

Overdrawn Accounts

*A fee may be imposed for covering overdrafts. An insufficient funds item may be created by check, in-person withdrawal, ATM withdrawal or other electronic means and a fee may be charged whether or not we pay the item.  The current fee for an item greater than $10.00 is $22.50.  The current fee for an item $10.00 or less is $12.50. There will be no fee assessed for an item that creates an overdraft balance of $10.00 or less. Daily fees of $3.00 may apply if the account remains overdrawn for more than 7 days. Overdrafts should be paid within 30 days. We reserve the right to require payment on demand.

Whether your overdrafts will be paid is discretionary and we reserve the right not to pay them.  We typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

If you have been paying multiple overdraft fees, there may be cheaper alternative products/services that may be better suited for your needs. Please call your account officer to discuss other options or visit us at your local branch.