Fees

CHECKING FEES

Checking Accounts
QClassic Checking Free

QChoice Checking Maintenance Fee

Applies only when the requirements to this account are not maintained: 1) Direct deposit(s) totaling $1,000 or more are made to this account per month or, $5,000 minimum daily balance in this account per month and; 2) eStatements

$10.00/month
QChoice ATM Fee Reimbursement (maximum) $15.00/month credit

Checking Rewards Maintenance Fee

Applies only when direct deposit and online statements are not maintained.

$10.00/month
Club/Association Account $5.00/month

 

SAVINGS FEES

HighQ Savings

Maintenance

Applies only when eStatements are not maintained.

$5.00
Basic Savings/Name-Your-Own Savings Accounts
Maintenance Free
Money Management Account
Maintenance Free
Term Savings Account
Maintenance Free
Early Withdrawal Penalties
2-11 Month Dividends earned, not to exceed 90 days
12-60 Month Dividends earned, not to exceed 180 days
IRA Accounts

IRA Premature Withdrawal Penalties

(Under age 59-1/2. IRS penalty will also apply.)

$25.00
All Outgoing Transfers or Rollovers $25.00

 

CHECKING & SAVINGS SERVICES FEES

ATM Card or Debit Card Two (2) free per account
Additional Cards $10.00
Replacement Cards First free, then $10.00
ATM withdrawals
   First 10 Per Month Free
   After First 10 $2.00
Debit Card Signature-Based Transactions (unlimited) Free
Maximum ATM Withdrawal Limits Per Day
   ATM Card $500.00
   Debit Card $1,000.00
Verification of Deposit $15.00
Cashier Checks $5.00
Stop Payment Order (Check or Electronic Transfers) $25.00
Copy of Personal Check $10.00
Online Check Copy (if available) Free
Check Copy Person-to-Person $10.00
Non-Member Check Cashing $3.00
Paid NSF Fees

   Courtesy Pay/Negative Balance 

May cover Electronic Transfers (ACH/Bill Payment, & Electronic Check Conversions), 
Checks, ATM/POS and Debit Card transactions. Refer to the Courtesy Pay Disclosure
​for Terms and Conditions. 

$37.00 per transaction
   Overdraft Transfer from Savings $20.00
   Overdraft Transfer from Savings - QChoice Checking Free
Holiday Club Account Early Withdrawal $15.00

 

CREDIT CARDS

Annual Fee  No fee

Quorum Cash Advance

Finance charge assessed from the day of cash advance to the day of full payment.

2% ($5.00 min/$25.00 max)
Returned Payment Fee Up to $25.00
Late Payment
   Minimum Payment of $25.00 Or More $25.00
   Minimum Payment of $10.00 To $24.99 $10.00
   Minimum Payment of Up To $9.99 No fee
Replacement of Credit Card First free, then $10
Three (3) Credit Card Convenience Checks Free

 

LOANS​

Late Loan Payment $25.00
Duplicate Lien Release $25.00
Private Education Line-of-Credit
   Application Fee Free
   Late Loan Payment 5% of the payment due
   Non-Sufficient Funds (NSF) $20.00

 

FIRST MORTGAGES & HOME EQUITY LOANS/LINE OF CREDIT (LOC)

Application Fees
   First Mortgage Application $295.00
   Co-Op Loan Application $295.00
   Flex Lock 0.25%
   RealtyLine LOC Origination Fee $495.00
Late Payment Varies - please call
Appraisal (First Mortgage, RealtyLine, and Home Secured) Varies
Closing Costs (Home Equity Loans) Varies
Subordination Agreement Fee $75.00
Preparation and Recording of Satisfaction (Home Equity Loans) $50.00
Flood Certification (First Mortgage and HELOC) $15.00
Credit Report Fee (First Mortgage) $22.13/$24.14 (single/joint)
Tax Service Fee Varies - begins at $61.00
Modification $225.00
Trust Agreement Variable - begins at $150.00
Verification of Mortgage $15.00

 

CONVENIENCE FEES

Online Banking Free
Online Bill Payment Free
Bill Payment Check Copy $10.00
Bill Payment Stop Payment $25.00
Wire Transfer
  Incoming Free
  Outgoing Domestic Wire Transfer $20.00
  Outgoing International Wire Transfer $45.00
Transactions by Phone (VoiceConnect) Free
Miscellaneous Fees
Return of a Check You Deposited $25.00
Check or ACH Debit Returned (Insufficient Funds) $37.00
Abandoned Property Processing $100.00
Invalid Address/Returned Mail $2.50/month
Statement Copy $10.00
Mid-Cycle Statement History $10.00
Photocopy of Quorum Check $5.00
Stop Payment of Quorum Withdrawal Check $15.00
Dormant Account $5.00
Notarization (where available) Free
Signature Guarantee Medallion (where available) Free
Foreign Item Collection $30.00
Account Research $20.00/hr. ($20.00 min.)
Subpoena/Restraining Notice/IRS Levy $100.00
Overnight Mail
   Domestic $15.00
   International $25.00
   Saturday Delivery Add $5.00