Fees

Checking Account Services:

Account Reconciliation/Research

$25 per hour ($25 minimum)

Affidavits (ACH or Forgery)

$25 per item

Collection Items

$25 per item

Counter Checks

$0.25 per check

Garnishments; Executions; Levies

$50 per service

*Paid Overdraft; NSF; Returned NSF

$30 per presentment

**Continuous Overdraft or NSF

$30

Ready Reserve Transfer

$3 per transfer. No charge if account is set-up for eStatements

Returned Deposited or Cashed Check

$10 per item

Stop Payments

$25

Special Statements

$5 per request

Cutoff Statements/Printouts

$2 per request

Dormant Accounts:

Checking- per statement cycle if no activity for 1 year & balance falls below $100

$10

Savings- per statement cycle if no activity for 2 years & balance falls below $100

$10

Cash Services:

Personal & Bank Money Orders

$5 each

Canadian Exchange Service

Current exchange rate + 3%

Cash Advances - Credit Cards

No Charge

Check Cashing (Fee Schedule below)

Check cashing fees apply if check is not drawn on our bank and customer does not have compensating balance in deposit accounts to cover the check being cashed.

Check Amount	Fee
$0 - $100.00	$5.00
$100.01 - $300.00	$10.00
$300.01 - $500.00	$15.00
$500.01 - $700.00	$20.00
$700.01 - $900.00	$25.00
$900.01 - $1,000.00	$30.00
$1,000.01 - $1,200.00	$35.00
$1,200.01 - $1,400.00	$40.00
$1,400.01 - $1,500.00	$45.00
$1,500.01 and over	5.00% of check amount

Coin Counting - Non Customer

$5 up to $100 / 3% thereafter

Wire Transfers

$30 - Outgoing

$20 - Incoming

$75 - International (minimum)

Miscellaneous Services:

Copies

$0.50 per page

Fax -Outgoing

$1 per page; $5 minimum

Fax -Incoming

$0.50 per page; $2.50 minimum

Notary Service

$5 for non-customers (No charge for bank customers)

Safe Deposit Boxes

(Annual Rent)

Not available at Bemidji or East Grand Forks Location

Box Size

Regular Customer

Senior Citizen (>55)

3 x 5 inches

$25

$20

5 x 5 inches

$35

$25

3 x 10 inches

$50

$40

5 x 10 inches

$60

$50

UBM Debit Cards:

No monthly fee if account is set up for eStatements
$2 per month if set up to receive paper statements
0.09% of Transaction Amount - ISA Fee (International Service Assessment Fee - assessed when card is used internationally)
Debit Card Replacement Fee - $10

*Fee applies to NSF (non-sufficient fund) items created by checks, in-person withdrawals, or by any other electronic means.

** Charged when your account has been overdrawn for 10 consecutive business days. We charge the fee after the 10th consecutive day.

A SMART Account

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Deposit @ Your Office

Remote Deposit – allowing our commercial customers increased efficiency with timely and convenient check deposits.

Remote Deposit