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