Fees

Personal Account Fees

Checking Account Services

Service	Fee
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
Returned Deposited or Cashed Check	$10 per item
Stop Payments	$25
Special Statements	$5 per request
Cutoff Statements / Printouts	$2 per request
Paid Overdraft / NSF / Returned NSF*	$30 per presentment
Continuous Overdraft or NSF**	$30

*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.

Dormant Accounts

Account Type	Dormancy Criteria	Fee
Checking	No activity for 1 year & balance below $100	$10 per statement cycle
Savings	No activity for 2 years & balance below $100	$10 per statement cycle

Cash Services

Service	Fee
Cashier's Check	$5 each
Canadian Exchange Service	Current exchange rate + 3%
Cash Advances – Credit Cards	No charge
Check Cashing	3%
Coin Counting (Non‑Customer)	3%
Wire Transfers	Outgoing: $30 Incoming: $20 International: $75 minimum

Miscellaneous Services

Service	Fee
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 locations

Box Size	Regular Customer	Senior Citizen (55+)
3 × 5 inches	$25	$20
5 × 5 inches	$35	$28
3 × 10 inches	$50	$40
5 × 10 inches	$60	$48

UBM Debit Cards

Item	Fee
Monthly Fee (eStatements)	No charge
International Service Assessment (ISA)	0.09% of transaction amount
Debit Card Replacement	$10