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Capitol Federal® Service Charge Schedule



Capitol Federal® Service Charges and Miscellaneous Services


Account  reconciliation

$25.00 per hour, plus costs for any photocopies or microfilm copies required

ACH POS (point of sale) transaction fee

$0.35 each when originated by a third party merchant.This includes Passcard or Visa® check card transactions when the PIN is used in lieu of a signature.

Cash drafts

$5.00 for each check (checks not withdrawn from a deposit account)

Cashier’s checks (All checks issued through a teller from your account)

$3.00 each

Certified checks (your personal check is guaranteed, or certified, and funds are held until cashed or the certification expires)

$3.00 each, valid for 90 days from certification

Check Collections (your personal check we returned unpaid, that is sent to us for collection shall be held for no more than 10 days.)

Checks for collection that are paid shall be subject to the following fees:

$3.00 Charged to the maker of the check

$10.00 Charged to the payee or presenter of the check

Checks subsequently not paid are returned to the payee or presenter without additional charge.

Check Conversion

$0.20 for each check converted to electronic presentment via ACH, debit network or any other channel except the Federal Reserve Bank’s “Check 21” program.

Check Printing

Price depends upon account type, style selected and quantity ordered, to include special order checks for computers and 3-to-a-page.

Collection items (for deposit)

$25.00 for Canadian checks

$40.00 for other foreign checks

Copies of checks
 - Personal
 - Cashier's
 - Money Orders

$1.00 each (may be viewed online through TBO without charge)

Bulk Rate available for 25 or more checks $0.25 each

Dormant account fee

$5.00 per month

Passcard and Statement Savings accounts are dormant if:

Balance less than $100.00 with no account activity for 24 months;

Any balance with no account activity for 24 months and incorrect address; Balance less than $1.00 with no activity for 120 days, account is closed. (Excludes Blue Bucks and Blue Chips accounts)

First Blue checking, Simple Blue checking, Heritage Blue checking, Small Business checking and Fiduciary/Community Service checking are dormant if:

Balance less than $100.00 with no account activity for 12 months;

Any balance with no account activity for 12 months and incorrect address; Balance less than $1.00 with no activity for 120 days, account is closed.

Genuine Blue checking, Heritage Plus checking and Money Market Select accounts are dormant if:

Any balance with no account activity for 12 months and incorrect address; Balance less than $1.00 with no activity for 120 days, account is closed.

Duplicate or cutoff statement

$1.00 each (available through TBO without charge)

Early Closeout Fee

$10.00 if closed within 3 months of account opening for Small Business checking and Fiduciary/Community Service checking accounts

Electronic addenda record on ACH transactions

$1.00 per record

IAT (International ACH Transactions) transaction fee

$2.00 each when ACH credit or debit entry is part of a transaction originating outside the territorial jurisdiction of the United States.

Money Order (not available for non deposit accountholders)

$2.00 each

Monthly Service Fees

Statement Savings and Passcard Savings: $2.00 per month if the average daily balance is less than $100.00.

Genuine Blue Checking: $5.00 per month if the average daily balance is less than $1,000.00.

Heritage Plus Checking: $2.00 per month if the average daily balance is less than $1,000.00.

Small Business Checking: $10.00 per month if the average daily balance is less than $10,000.00.

Fiduciary/Community Service Checking: $2.00 per month if the average daily balance is less than $500.00.

Money Market Select: $5.00 per month if the average daily balance is less than $1,000.00.

Non-Capitol Federal/network ATM transaction fee

$2.00 for each withdrawal transaction; $0.50 for each inquiry or transfer transaction at an ATM not owned and displaying signage for Capitol Federal Savings Bank. 

An additional surcharge may be imposed by the ATM owner at non-Capitol Federal locations. This fee does not apply to ATMs operated by certain third parties subject to a written agreement with the Bank. Currently only certain Walgreen’s stores in the greater Kansas City area and the state of Kansas operate under such an agreement, and no fees are charged for use of these ATMs.

ATM Adjustment

$2.00  adjustment for amounts over $50.00.

Rush Card Order

$25.00 per card

NSF (Not Sufficient Funds) or Overdraft fee – checks, ACH, preauthorized or other debits

$32.00 for each debit or item presented to the Bank which is drawn upon insufficient or funds that otherwise are not available for withdrawal - whether paid into overdraft or returned unpaid - to include electronic pre-authorized payments originated by Capitol Federal;

ACH or other electronic debits originated by a third party; checks, drafts or other orders for payment; each daily notice of True Blue® Bill Payment; and any other debit request originated by or on behalf of the Owner. Note that this same fee amount applies to debits or items drawn upon uncollected or held funds.

NSF (Not Sufficient Funds) or Overdraft fee - Continued

Uncollected funds are checks that you have deposited that have not been determined to be paid through the collection system. Held funds are amounts subject to garnishment, lien, levy, order freezing assets or similar orders or notices of legal process.

Overdraft Fee -

Visa® True Blue® Direct Debit Card

$32.00 for each overdraft transaction (only applicable to non-recurring overdrafts for Owners who opt in.)

Overdraft Balance Service Charge

$5.00 per day, beginning after the seventh consecutive day on which your account remains overdrawn and assessed until the account is returned to a positive balance.

Overdraft Protection Fees – Overdraft Protection Plan

$8.00 per daily requirement to transfer to pay overdraft using a companion Savings, Checking or Money Market Account or Execuline loan. Overdraft Protection fee is charged whether or not the transfer is completed due to subsequent deposits or credits.

POS (point of sale) transaction fee

$0.35 each when the PIN is used (there is no fee for use of the True Blue® Direct Visa® card for a purchase at a Visa merchant without the PIN).

Replace lost ATM or True Blue® Direct Visa® card

$5.00 each card

Returned deposit

$5.00 for each check or other deposit item which is returned unpaid

Service of legal notice

$50.00 for each legal notice served upon the Bank in connection with your account, to include a garnishment, tax lien, IRS levies, subpoena, restraining order, order freezing assets or similar orders or notices requiring action or answer by the Bank.

Stop Payment

$32.00 each, for 180 days, including customer-initiated Stop Payment Requests for personal checks or other drafts, True Blue® Bill Payments or ACH electronic debits. A Stop Payment order may be renewed by you, subject to another $32.00 fee being charged.

Visa® currency

conversion fee

1% of the transaction amount for any transaction not originated in US dollars.

Wire transfers

$10.00 for all incoming wire transfers, $15.00 for outgoing domestic wire transfers, $35.00 for outgoing international wire transfers.Service available for account holders only.

TBO/Mobile Banking

Same Day Payment/Next Day Payment: $9.95
Overnight Payment: $14.95
Popmoney® Service: $0.50 per transaction
ATS Service: Transfer to External Account: $2.00 per transaction
Mobile Deposit Service: $0.75 per item deposited
Duplicate Mobile Deposit Fee: $32 per check when a check is deposited both through Mobile Deposit and another method such as an ATM, Capitol Federal branch or another financial institution.

Download a PDF version of the Current Fee Schedule.