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Account Services & Fees

If you have questions or would like to learn more about any of our services or fees, please contact us for assistance.

Checking, Savings, & Money Market Accounts
Returned Deposit Item Fee $0.00 for consumer accounts $15.00 for business accounts	$15
Stop Payment Fee (per request)	$20
Inactive Account Fee (per month) Charged if the customer does not initiate a transaction for 12 consecutive months (checking accounts only) Sunrise Checking - No Charge	$10
Dormant Account Fee (per month) Charged if the customer does not initiate a transaction for 24 consecutive months Sunrise Checking - No Charge	$30

Debit Card & ATM Transactions
Replace Card Fee Sunrise Checking - No Charge	$10
Cross Border Fee Charged on transactions in which the country code of the merchant does not equal the country code of the issuer	0.9% of the transaction amount
Currency Convert Fee Charged on international transactions where Cirrus, MasterCard, or Maestro performs a currency conversion function	0.2% of the transaction amount

Overdraft Services
Kish Courtesy Overdraft Fee(s) Charged when the item is paid as part of the Kish Courtesy Overdraft Program coverage limit; if the account is overdrawn by $5 or less, no Kish Courtesy Overdraft Fee will be assessed Sunrise Checking - No Overdraft or NSF Fees apply	$37
Overdraft Fee(s) Charged when the item is paid and the account is not enrolled in the Kish Courtesy Overdraft Program or the overdraft exceeds the customer’s Kish Courtesy Overdraft Program coverage limit; if the account is overdrawn by $5 or less, no Overdraft Fee will be assessed	$37
Returned Item Fee(s) Also known as Non-Sufficient Funds or NSF Return Fee; charged when the item is returned unpaid	$37
Maximum Number of Overdraft Item Fees Maximum applies only to checking accounts enrolled in Kish Courtesy Overdraft Program	6 per day

Wire Transfers
Domestic Wires
Incoming Domestic Fee	$15
Outgoing Domestic Fee	$25
International Wires
Incoming International Fee	$20
Outgoing International Fee	$30
Tracer	$10

Miscellaneous Account Services
Account Research	no charge for first ½ hour $25 for each additional ½ hour
Check and Deposit Ticket Reorder	cost varies
Escheat Fee	$50
Garnishment (per item)	$150
IRA Transfer Fee	$30
Counter Check (per check)	$1
Night Depository (per bag)	$30
Zipper Bags	$3
Endorsement Stamp	at cost

Images & Photocopy Requests
Printing & Photocopy Fee (per page)	$0.25

Cash Alternatives
Cashier’s Check	$8
Money Order	$7

Safe Deposit Boxes
Annual Rental Fee	cost varies
Annual Rental Discounts (primary box)
Expect More Checking	$10 discount
Late Payment Fee Charged when payment is 30 days past due	$5
Servicing Fees
Inventory	$150
Drilling	$100
Replace Lost Key (per key)	$25

International Services
Foreign Currency Exchange Fee	contact Kish for current fee
Foreign Check Collection (per item)
Canadian	$15
Non-Canadian	$20

Effective 10/15/2025

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