Fees for the following may be assessed in addition to the fees disclosed in the Disclosures and Customer Agreements. These fees apply to all Deposit Accounts.

Account Research $15 per hour ($10 minimum)
ATM Card Replacement Business Accounts
$5 fee if card is being replaced due to a change in signer(s) on the account. There is no fee to replace a lost/stolen ATM Card.
ATM/Debit Fast Card $25 if express delivery of card is requested.
ATM

State Farm Bank® will not charge You for the use of ATMs not owned by the Bank (considered foreign ATMs). Further, the Bank will rebate a foreign ATM surcharge imposed by the ATM owner in any amount assessed against a State Farm Bank Checking, Interest Checking, or Money Market Savings account provided that there is a direct deposit via an Automated Clearing House (ACH) credit into that account during the statement cycle of the foreign ATM transaction. If there has been no direct deposit via an ACH credit into the State Farm Bank Checking, Interest Checking, or Money Market Savings account during the statement cycle, the Bank will rebate up to a total of $10 in foreign ATM surcharges per account per statement cycle. State Farm Bank Savings and Health Savings accounts will be rebated up to a total of $10 in foreign ATM surcharges per account per statement cycle.

For International ATM Fees incurred traveling outside of the U.S., please call Us at 1-877-734-2265 to have your rebate applied to your account.  For those customers who receive up to $10 per statement cycle, the amount of the International ATM Fee Rebate will be deducted from your $10 benefit.

When You use an ATM not owned by Us, You may be charged a fee by the ATM operator and You may be charged a fee for a balance inquiry even if You do not complete a fund transfer.

The Bank will impose a fee to non–State Farm Bank issued cards for withdrawing cash from a State Farm Bank ATM.
Bank Draft/Official Check No Charge
Check Copy First 3 copies per statement cycle are free, after which $3 per item.

(Check copies are available at no charge on the Internet for up to 18 months from the posting date)
Collection Item Deposit item that requires special handling in order to provide credit to the account

Domestic Item - $10 per item
Foreign Item - $15 per item
Court Order /
IRS Research		 $22 per hour Research Fee or as directed in the request
Court Order /
IRS Research Items		 $0.25 per copy for each page of a document or as directed in the request
Deposited Item Returned $10 per item
Dual Authorized Signatures (Business Accounts) $5 per month
Statement Electronic Statements are available for consumer accounts at no charge on the Internet

Duplicate copy of paper statement
$5 per statement

Additional Statement sent to an Alternative Address
$5 per statement

Paper Statement for Consumer Fixed-Rate Certificates of Deposit, if no electronic transfer activity via Automated Clearing House (ACH)
$5 per statement

An annual paper statement will be provided for IRAs, ESAs and HSAs, at no charge.
Excessive Transaction $10 per statement cycle - for exceeding authorized number of Money Market Savings account transfers or Savings Account transfers per statement cycle
Foreign Bank Draft Fee varies by destination and will include a $10 handling charge
Foreign Currency Fee varies by Currency and will include a $12 charge for regular overnight delivery and a $15 charge for priority overnight delivery
Garnishment / Levy $40 Processing Fee or as directed by state law
Health Savings Account (HSA)

$25 Annual Fee
Minimum Balance Fees

The monthly Minimum Balance Fee will be waived if the account receives a direct deposit via an Automated Clearing House (ACH) credit during the statement cycle

Consumer Accounts
Interest Checking:
$10 fee; $500 minimum average daily balance.

Money Market Savings:
$10 fee; $500 minimum average daily balance.

Savings:
$3 fee; $100 minimum average daily balance when primary account holder is age 18 or older.

Individual Retirement Account (IRA) Money Market Account (Includes Traditional IRAs and Roth IRAs):
$10 fee; $500 minimum average daily balance.

Business Accounts
Business Checking Account:
$10 fee; $3,000 minimum average daily balance

Business Savings Account:
$3 fee; $100 minimum average daily balance

Business Money Market Savings:
$10 fee; $500 minimum average daily balance
Non-Sufficient Funds (NSF) $25 per item, maximum of 3 items ($75 during any business day), includes:
Overdraft Fee - $25 Assessed when an item is paid
Returned Item Fee - $25 Assessed when an item is returned
Overdraft Protection Transfer $3 per transfer assessed to the account funds are transferred to; Transfers are made in increments of $25 from a Protecting Account(s).
Overnight Mail $10 Monday–Friday Delivery
$35 Saturday/Holiday Delivery
Stop Payment $20 per item
Wire Transfer – Domestic No charge for Incoming; $15 for Outgoing
Wire Transfer – International Incoming (any value) - $15
Outgoing Less than $50,000 - $35
$50,000 or greater - Fee varies, Contact Bank for current rate.

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