Fees  

ATM Surcharge Fee

If you use an ATM outside the STARsf® surcharge-free network in the USA you will be assessed this fee.

STARsf® (STAR surcharge free): No charge

Domestic, Other ATMs: $2.00

International and Other ATMs:
$3.50 per withdrawal

Note: A fee may be assessed by the ATM owner for use of the ATM.

You won't pay any fees as long as you use ATMs within the STARsf® surcharge-free network. Click here to find one near you.

Return Item Fee

Also known as bouncing a check, an insufficient funds fee, or a failed transaction fee. It applies in situations such as when you write a check, make an online bill payment, or pre-authorize a payment for more money than you have in your account.

$25 per item

Easily monitoring your account online and keeping it balanced is a surefire way of avoiding this one.

Deposit Return Fee

If you deposit a check that bounces, you will incur this fee.

$7 per item

If you make a deposit, for example a check, and the account that the check is drawing the money from doesn't have enough money to cover the amount of the check, the check will be returned to the bank that issued it. Make sure all checks you're depositing are from a reliable source, especially personal checks.

Treasurer's Check Fee

In some select circumstances, a payee of yours might require you to pay with a treasurer's check (or cashier's check) instead of a normal personal check. A treasurer's check is a check whose funds are validated by the bank.

$8 per check

Outgoing Wire Fee

On rare occasions, you may need to send money via wire, which is a secure bank to bank special transfer. SmarterBank will never charge you a fee for an incoming wire transfer to your account. We do, however, charge a fee for domestic outgoing wires to help defray the cost of processing the transaction.

Outgoing: $12 per transfer

International Wire Transfer Debit
(Intl Wire Transfer Fee)

On rare occasions, you may need to send money via wire, which is a secure bank to bank special transfer. SmarterBank will never charge you a fee for an incoming wire transfer to your account. We do, however, charge a fee for international outgoing wires to help defray the cost of processing the transaction.

Incoming: no charge
Outgoing: $45

Credit Card Funds Transfer Fee

If you choose to transfer money into your bank account from a credit card (excluding your initial deposit), we charge you a fee to help offset what we are charged by the card network.

Incoming: 2.5% of the transaction amount

Stop Payment Charge

When you wish to cancel a check that you have sent out but has not yet been cashed.

$15 per request

Card Replacement Fee

If your card is lost or stolen, no worries-we got your back. We'll send a new one your way.

$10 normal, $50 per delivery if expedited

Statement Copy Fee

SmarterBank statements are traditionally sent electronically. You'll only incur this fee if you specifically request a paper version.

$5 per statement

Check Copy Fee

SmarterBank statements are traditionally sent electronically. You'll only incur this fee if you specifically request a paper version.

$1 per copy

Check Reorder Fee

Your first order of checks is available at no charge. If you ever need more, we're happy to send them. The cost depends on style and quantity.

Fee varies based on style of checks ordered.

ACH Transfer Fee

This is a common charge for electronically transferring funds between your bank account with us and a deposit account at another bank.

Incoming: no charge
Outgoing: no charge

Research Fee

Occasionally, you may request the bank to perform a detailed review of your account.

$25 per hour, $10 minimum

Faxing Fee

Faxing of customer information or response to customer initiated requests.

$2 per page

Legal Processing Fee

If one of these items is applied to your account, the bank may assess these fees to you on a per item basis.

$100

Writ Processing Fee

$175

Debit Card Transaction

Also known as an EFT surcharge, this fee helps cover the cost of processing debit card transactions. You'll never incur this fee when using your card inside the United States.

Domestic: no charge
International: 2% of transaction amount
Note: The card association (for example, Visa® or Mastercard®) may charge a conversion fee of 2% of transaction amount.

Inactivity Fee

There's never a monthly fee for using your account. Doing any of the following at least once each month ensures that you won't be assessed a monthly inactivity fee: making a transaction with your debit card, writing a check that clears the account, using Online Bill Pay, initiating a withdrawal or making a deposit to the account.

Monthly fee: $4.95

Account Closing Fee (within the first 90 days of account opening)

To help offset our costs, if you close your account within 90 days of opening it, we will charge you a $10 fee. By charging customers who close their account a fee, we help keep the costs low for those who do use their account.

$10