Personal Financial Services Fees
Schedule of Fees & Charges (Personal Financial Services)
Fees listed may not apply to all account types
Effective September 21, 2026
| 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 | N/A | $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 | Transfers to or from external bank | $10.00 | per transfer |
| Cashier’s Check | N/A | $8.00 | per check |
| 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. | 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 | Orders and delivery are fulfilled by a third party. Rates and fees vary by currency and delivery method. | Varies | per exchange |
| Overdraft (OD) - Paid Item | A fee may be charged, when permitted by law, for each transaction presented to us for payment when the balance in your account after we post all credits and debits for the day ("Ledger Balance") is less than the amount we need to pay your transaction. For all consumer accounts, we will assess a maximum of four (4) OD fees per day. We do not charge a fee if we return the transaction unpaid. | $17.00 | 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 |
| SafetyLink Transfers | A transfer fee will not be assessed for SafetyLink transfers | None | N/A |
| Statement Options | Current Activity | None | N/A |
| Statement Options | Duplicate Monthly Statement | $10.00 | per month |
| Stop Payment Order | Initial order or a 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 | Fees will not be assessed for verification confirmations, including verification of deposit and credit/audit confirmation. | None | N/A |
| Wire Transfers – Incoming Wire | N/A | $10.00 | per transfer |
| Wire Transfers – Outgoing Wire | 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 | None | N/A |
| Wire Transfers – Trace Fee | International | None | N/A |
| Zelle® Transfers | A transfer fee will not be assessed for incoming or outgoing Zelle® transfers | None | N/A |
