Type	Additional Details	Amount	Fee/Charge Action
ATM Account Inquiry/ATM Transaction	Fee applies to the use of an ATM or terminal not owned and operated by Arvest Bank, including balance inquiry, deposit, or withdrawal. The ATM owner may charge an additional fee.	$2.50	per item
ATM or Debit Card Replacement		$7.50	per card
ATM or Debit Card Expedited Delivery	Rush Mailing	$60.00	per card
ATM or Debit Card Expedited Delivery	Expedited PIN Mailing	$25.00	per request
ATM or Debit Card Expedited Delivery	Special Delivery Mailing	$70.00	per card
ATM or Debit Card Expedited Delivery	International Standard Mailing	$40.00	per card
ATM or Debit Card Expedited Delivery	International Expedited Mailing	$60.00	per card
Automatic Transfers - External Bank	Transfers to or from external bank	$10.00	per transfer
Cashier’s Check		$8.00	per check
Chargeback of Deposited Item		$8.00	per item
Collection Item	Incoming or Outgoing	$20.00	per item
Collection Item	International	$40.00	per item
Dormant Account	A checking account is considered dormant if it has had no deposit or withdrawal activity for a period of 365 days. A money market or savings account is considered dormant if it has had no activity for a period of 730 days. Internal transactions, such as the posting of interest or service charges, do not qualify as activity. The fee is charged monthly until the account is reactivated, the balance reaches or falls below zero, or is remitted to the appropriate state as unclaimed property. To avoid this fee, you need to maintain a balance of $10,000 or more, or complete at least one deposit or withdrawal per year (two years if the account is a money market or savings).	$5.00	per month
Fax Outgoing	Long Distance	$5.00	per fax request
Fax Outgoing	International	$25.00	per fax request
Foreign Currency	Orders and delivery are fulfilled by a third party. Rates and fees vary by currency and delivery method.	Varies	per exchange
Insufficient Funds (NSF)/Overdraft (OD) - Return Item	A fee may be charged, when permitted by law, for each transaction presented for payment when your ledger balance is less than the amount we need to pay your transaction. Transactions that are returned unpaid may be re-presented for payment multiple times, which may result in your account being charged multiple fees.	$17.00	per item
Insufficient Funds (NSF)/Overdraft (OD) - Paid Item	A fee may be charged, when permitted by law, for each transaction presented for payment when your ledger balance is less than the amount we need to pay your transaction. Transactions that are returned unpaid may be re-presented for payment multiple times, which may result in your account being charged multiple fees.	$17.00	per item
Internal Transfer - Branch		$0.20	per item
Money Order		$3.00	per item
Online BillPay	If applicable, based on account type features	$0.50	per item
Research or Account Reconciliation	Fees will not be assessed for research or account reconciliation	None	N/A
Returned Item	Returned	$8.00	per item
Returned Item	Recleared	$6.00	per item
Returned Item	Special Instructions	$15.00	per month
Service Charge Billing	Customized Month-End Billing	$15.00	per billing
Service Charge Billing	Customized Quarter-End Billing	$35.00	per billing
Statement Options	Current Activity	None	N/A
Statement Options	Duplicate Monthly Statement	$10.00	per month
Statement Options	Special Cut-Off	$15.00	per month
Stop Payment Order	Initial order or a renewal	$30.00	per item
Verifications Confirmations – Verification of Deposit	Fees will not be assessed for verification confirmations, including verification of deposit and credit/audit confirmation.	None	N/A
Wire Transfers – Incoming Wire		$10.00	per transfer
Wire Transfers – Outgoing Wire	Branch - Domestic	$25.00	per transfer
Wire Transfers – Outgoing Wire	PIN - Domestic	$20.00	per transfer
Wire Transfers – Outgoing Wire	Branch - International	$60.00	per transfer
Wire Transfers – Outgoing Wire	PIN - International	$40.00	per transfer
Wire Transfers – Wire Advice	Fax - Incoming or outgoing	$4.00	per transfer
Wire Transfers – Wire Advice	Email - Incoming or outgoing	$2.00	per transfer
Wire Transfers – Drawdown Wire		$15.00	per transfer
Wire Transfers – Same-Day Tax Wire		$60.00	per transfer
Wire Transfers – Trace Fee	Domestic	None	N/A
Wire Transfers – Trace Fee	International	None	N/A