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Fee Schedule

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Effective June 1, 2018

 Item  Fee  
Classic Checking minimum balance ($1,000) fee* $6.00* per month
Solid Interest Checking minimum balance ($2,500) fee $4.00 per month
Non‐Solidarity ATMs
(and outside of Alliance One and Co‐Op networks)
$1.50 per transaction
eChecking-Per Item Fee $0.20 per check over 10 monthly
Kokomo Edge - Per Item Fee $0.25 per check over 15 monthly
Checking II Service Fee $12.00 per month
IUK Cougar - Per Item Fee $0.25 per check over 15 per month
Regulation D Fee ‐ Exceed 6 Transactions Per Month ‐ Savings and Money Market Accounts** $5.00** per withdrawal after 6 in a month
Mailed Paper Statement Fee (excludes members with no checking who are 55‐years‐old and older and the 55+ Checking Account) $4.00 per statement
Non-Sufficient Funds / Overdraft Privilege Fees $32.00 per item
Member Return Deposit Item $32.00 per check
Non‐Member Return Deposit Item $19.00 per check
Stop Payments - Drafts & Bill Pay $32.00 per item
Stop Payments - Drafts & Bill Pay $35.00 per series
Official Checks & Money Orders $2.00 per item with no checking account; or $2 per item after three free per month for members with checking accounts
Counter Checks $3.00 per sheet
Merchant Checks $20.00 per check
Savings to Checking Overdraft Transfers $3.00 per transfer
Telephone Transfers $5.00 per transfer
Loan Payment Telephone Transfers $3.00 per transfer
Online Banking Reset PIN $5.00 per occurrence
Wire Transfers-Domestic-Outgoing $25.00 per wire
Wire Transfers-International-Outgoing $60.00*** per wire
Notary/Signature Guarantee $2.00 per occurrence
Attachments / Garnishments $20.00 each
Tax Levies $75.00 each
Immigration Letter $30.00 per full-letter
Travel / Money Card $5.00 per card
Travel / Money Card Reload $2.00 per reload
Check Photocopies - Drafts & Bill Pay $5.00 per copy
Statement/Snapshot/History Copies or Printout $1.00 per page
Research Time/Checkbook Balancing $25.00 per hour
Checking / ATM Card Replacement $10.00 after one free replacement card per year
Bad Address Fee $5.00 per occurrence
Dormant Account Fee $1.00 per month
Account Closed Within 180 days of Opening $25.00 per account
Online Outgoing Account Transfer $2.00 per transfer
Popmoney Minimal Fee Relevant to Amount per occurrence
Non-member Check Cashing Fee $10.00 per check
Tax Refund Cash Advance Check Fee $50.00 each
Foreign Item Collection Fee $10.00 per item
Re-Evaluation Fee $50.00 per request
Online Loan Payments from Other Financial Institutions Free per loan payment
Telephone Loan Payments from Other Financial Institutions $19.00 per loan payment
Note: Items in BOLD denote an entry that has changed in some way since the last effective fee schedule.

* This will be effective April 30, 2018
** See Regulation D FAQ Below
***No More Incoming Wire Fee

Effective October 23, 2017

 Item  Fee  
Classic Checking minimum balance ($1,000) fee $10.00 per month
Solid Interest Checking minimum balance ($2,500) fee $4.00 per month
eChecking-ATM transactions at Non-Solidarity ATM's $1.50 per transaction after 2 free
eChecking-Per Item Fee $0.20 per items over 10 monthly
Kokomo Edge - Per Item Fee $0.25 per items over 15 monthly
Kokomo Edge - ATM transaction Non-Solidarity ATM $1.50 per transaction after 2 free
Checking II Service Fee $10.00 per month
IUK Cougar - Per Item Fee $0.25 per item over 15 per month
Non-Sufficient Funds / Overdraft Privilege Fees $28.00 per item
Member Deposited Resubmit / NSF Check Fee $28.00 per check
Non-member Deposited Resubmit / NSF Check Fee $17.00 per check
Stop Payments - Drafts & Bill Pay $32.00 per item
Stop Payments - Drafts & Bill Pay $35.00 per series
Official Checks & Money Orders $1.00 per check or money order
Counter Checks $5.00 per set
Merchant Checks $10.00 per check
Savings to Checking Overdraft Transfers $3.00 per transfer
Telephone Transfers $5.00 per transfer
Loan Payment Telephone Transfers $3.00 per transfer
Online Banking Reset PIN $5.00 per occurrence
Wire Transfers-Outgoing $25.00 per wire
Wire Transfers-International $60.00 per wire
Notary/Signature Guarantee $2.00 per occurrence
Attachments / Garnishments $20.00 each
Tax Levies $75.00 each
Immigration Letter $30.00 per full-letter
Travel / Money Card $5.00 per card
Travel / Money Card Reload $2.00 per reload
Check Photocopies - Drafts & Bill Pay $5.00 per copy
Statement / Snapshot Copies $5.00 per copy
Research Time $20.00 per hour
Immediate Checkbook Balancing $30.00 per occurrence
Checking / ATM Card Replacement $10.00 after one free replacement card per year
Bad Address Fee $3.00 per occurrence
Dormant Account Fee $1.00 per month
Account Closed Within 180 days of Opening $25.00 per account
Online Outgoing Account Transfer $2.00 per transfer
Popmoney Minimal Fee Relevant to Amount per occurrence
Non-member Check Cashing Fee $10.00 per check
Tax Refund Cash Advance Check Fee $30.00 each
Foreign Item Collection Fee $10.00 per item
Printed Copy of History $1.00 per copy
Re-Evaluation Fee $50.00 per request

Regulation D Frequently Asked Questions

Starting June 1st, 2018, Solidarity will implement Regulation D, which requires financial institutions to limit transactions on money market accounts, savings accounts, and share certificates. This required regulation limits these types of accounts to 6 transactions a month. DON’T PANIC! If you are someone who frequently withdraws or transfers from your savings accounts, we have answers to your questions below.
Reg D FAQ
What is Regulation D (Reg D)?
It is a federal regulation limiting the number of certain types of withdrawals from Savings or Money Market Accounts to six per month (per individual account).
What is the reasoning behind Reg D?
Reg D was passed to impose regulations on the amount of reserves a financial institution maintains. The reserve amounts that are required for each financial institution is determined by the balances it has in its transactional accounts (e.g. Checking Accounts)
When does my 6 fee-free transactions imposed by Reg D reset each month?
They reset at the very beginning of each month. For example, making 6 withdrawals in the last week of the month and then making a withdrawal the week after the first of the following month will not incur a fee. Any remaining transactions that count toward the 6 per month will NOT rollover into the next month
What types of transactions are counted toward the 6 transfers permitted each month?
IF you move money to another one of your accounts, or to a third party (anyone other than yourself) by…
  • Preauthorized or automatic transfers (ACH and includes overdraft protection transfers)
  • Online banking
  • Voice Response Unit aka Money Line OR
  • Check, draft, debit card, or any other way to pay a third party 
THEN you’re limited to 6 of these transactions each month.
What types of transactions are not counted toward the 6 transfers permitted each month?
IF you deposit or transfer into the account, transfer to repay your loans at Solidarity, transfer to another account of yours at Solidarity OR have withdrawals paid directly to you, and it is done…  
  • In person
  • At an ATM
  • By phone (a check must be mailed to the owner at the address on file) OR 
  • The request is made by mail (either to transfer to your own account, or to mail a check to the owner at the address on file)
THEN it’s unlimited access each month.
How can I make a transfer if I have exceeded Reg D?
  • Transfer the money at an ATM
  • Complete the transaction in person with a teller
If I have two Savings Accounts am I limited to 6 transactions for each account or 6 in total for both?
Each month you are permitted 6 transfers from each individual Savings Account.
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