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Fee Schedule

As a full service bank, many other products and services are offered to meet your needs. We have provided a list of other products and services offered at the bank.

Customer Fees

New accounts closed within 90 days of opening and funds are moved from bank $15.00
Dormant Fee if below required balance  
   Savings Accounts (365 days without activity) $5.00
   Checking Accounts (182 days without activity) $6.00
Overdraft Charge (per check) $20.00
Continuous Overdraft Charge (per day) $2.50
   (The $2.50 charge per day will begin on the 10th until the overdraft is remedied)  
Non-sufficient Funds (NSF) Return Check Charge (per check) $20.00
Stop Payment $20.00
Collections (Incoming and Outgoing) $20.00
Holds and Special Handling of Accounts $25.00
Automatic Transfers $3.00
Cashier’s Checks  
   Checks up to $5,000.00 $5.00
   Checks over $5,000.00 (per thousand) $1.00
Money Orders $2.00
Wire Transfers  
   Outgoing $20.00
   Incoming $12.00
   International (Incoming and Outgoing) $50.00
Garnishments & Levies $50.00
Indemnity Bond Fee $30.00
Reconciling Accounts (Once without charge) $25.00 per hour
Record Research $25.00 per hour & $1.25 per copy
Copier fees $.25 per copy
Fax fees (Outgoing or Incoming) $2.00
Lamination Fees  
   Business Card size $1.00 
   8 ½ X 11 size $2.00
Amortization Schedule $5.00
Travelers Checks  
   Single signature $1.00 per hundred
   Dual signature $1.50 per hundred
Coin Counting Free
Visa Gift Cards $3.00
Safe Deposit Box  
   Drilling Fee $75.00
   Key Replacement $20.00

Non Customer Fees

NOTE: Non customers must purchase cashier’s checks, money orders, gift cards and travelers checks with cash.

Cashier’s Checks  
   Checks up to $5,000.00 $10.00
   Checks over $5,000.00 (per thousand) $2.00
Money Orders $3.00
Check Cashing (must be drawn on us) $1.00 per $100.00 ($5.00 minimum)
Coin Counting 1%
Copier fees $.25 per copy
Fax fees (Outgoing or Incoming) $2.00
Lamination Fees  
   Business Card size $1.00
   8 ½ X 11 $2.00
Traveler’s Checks  
   Single signature $1.00 per hundred
   Dual signature $1.50 per hundred
Visa Gift Cards $3.00
Member FDIC Equal Housing Lender

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Copyright © Wray State Bank. All rights reserved. Member FDIC. Equal Opportunity Lender.