Personal Financial Services Fees
Schedule of Fees and Charges (Personal Financial Services)
Fees listed may not apply to all account types
Effective May 7, 2020
| 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. | $2.00 | 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 | |
| Check Cashing for Non-Customer | Applies for checks more than $100 | $5.00 | per check |
| Check Printing | Fee will be assessed based on product features and the quantity and style of checks you order. Shipping and handling charge of $5.00 may also apply. | varies | varies |
| Check Printing | Temporary Checks | $1.00 | set of four |
| 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 | $30.00 | 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 - Telephone | Customer Service assisted | $3.00 | per transfer |
| Money Order | $3.00 | per item | |
| Online BillPay | If applicable, based on account type features | $0.50 | per item |
| Research or Account Reconciliation | May include additional postage costs, if applicable | $25.00 | per hour |
| SafetyLink Transfer Fee | $10.00 | per transfer | |
| Statement Options | Current Activity | $4.00 | per request |
| Statement Options | Duplicate Monthly Statement | $10.00 | per month |
| Stop Payment Order | Initial order or renewal | $30.00 | per item |
| TransferNow® Transfers – Outgoing Transfer | Standard Delivery | $3.00 | per transfer |
| TransferNow® Transfers – Outgoing Transfer | Next Day Delivery | $5.00 | per transfer |
| TransferNow® Transfers – Outgoing Transfer | Instant Delivery | $10.00 | per transfer |
| Verification Confirmations – Verification of Deposit | Including credit/audit confirmations | $25.00 | per request |
| 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 – Trace Fee | Domestic | $20.00 | per trace |
| Wire Transfers – Trace Fee | International | $35.00 | per trace |
| Zelle® Payments | A fee will not be assessed for incoming or outgoing Zelle® payments. | n/a | n/a |
