Effective: 9/11/2023

All references to month are an approximate four (4) week period or cycle, not necessarily a calendar month.

Negotiable Items
Counter Checks$1.00 each
Cashier’s Checks – Customer$5.00 each1
Overdraft / Returned Item / Stop Pay
Overdraft2$25.00 each3
Reclear Item$5.00 per item4
Returned Deposit Item – Domestic$7.50 each4
Returned Deposit Item – Foreign5$25.00 each4
Stop Payment$35.00 each4
Collection Item – Domestic6$20.00 each4
Collection Item – Foreign5$30.00 each (items with a face value of less than $300.00 will not be sent for collection)
ATM / Debit Card
Non-INTRUST ATM Transaction - Withdrawal 7, 8$2.50 per transaction9
Non-INTRUST ATM Transaction - Transfer 7, 8 $2.50 per transaction 9
Non-INTRUST ATM Transaction - Balance Inquiry 7, 8 $2.50 per transaction 9
International Transaction Service ChargeFee varies10
Depository Bags
Lock Bag (with one night depository key)$25.00 each
Zipper Bag$5.00 each
Wire Transfer Fees
  • Outgoing – Customer

$10.00 each4
  • Outgoing – Customer

$40.00 each4
Individual Retirement Account (IRA) Fees
Withdrawal prior to maturity to other institutions$25.00 each (for any withdrawal which will be rolled over or transferred into another institution)
Other Fees
Backup Withholding$5.00 origination
Record Research$35.00 per hour (or any portion), $1.00 per page
Garnishment$15.00 each (not assessed for Oklahoma garnishments)
Levy / Warrant$50.00 each
Check Printing ChargePrices vary
Foreign Check Deposit - Items deposited for immediate provisional credit
  • Foreign Check Deposit (U.S. Dollar)
  • Foreign Check Deposit (non-U.S. Dollar)

$5.00 per item4
$5.00 per item4 (fee is waived when item value is $500.00 U.S.or more)
Personal Financial Software
  • Quicken® Banking using Direct Connect11
  • QuickBooks® Banking using Direct Connect12

$5.00 per month4
$10.00 per month4
  1. No fee with INTRUST Advantage Checking, INTRUST Elite Checking, INTRUST Employee Checking, or INTRUST Money Market accounts.
  2. Transactions may not be processed in the order in which they occurred. Order of processing can affect the total amount of overdraft fees. Please refer to Terms and Conditions for Your Deposit Accounts (Deposit Agreement) for information regarding Processing. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, or other electronic means. No fee will be imposed for ATM or one-time debit card transactions unless you have agreed to such fee. No fee will be charged on any transaction payable in the amount of $5.00 or less or when the resulting overdraft balance is $5.00 or less.
  3. No fee with INTRUST Safeguard Spending.
  4. No fee with INTRUST Elite Checking.
  5. Plus applicable courier fee. Paying Bank may assess additional fees.
  6. Paying Bank may assess additional fees.
  7. Each statement period, INTRUST Bank will refund (credit) INTRUST Advantage Checking and Employee Checking up to $6 for INTRUST ATM transaction fees INTRUST Bank charges for your use of an ATM owned by another financial institution INTRUST will refund the fees at the time of the transaction. The owner of the ATM may assess an additional fee.
  8. Each statement period, INTRUST Bank will refund (credit) INTRUST Elite Checking accounts for INTRUST ATM transaction fees, at the time of the transaction, that INTRUST Bank would normally charge for your use of an ATM owned by another financial institution. The owner of the ATM may assess an additional fee.
  9. Transaction refers to a withdrawal, a transfer or a balance inquiry.  You will be charged a fee for each Transaction even if they take place during the same visit (e.g. if you make a transfer between accounts and then withdraw money in the same visit you will be charged a fee for the transfer and a fee for the withdrawal). You will be charged a fee for a balance inquiry even if you do not withdraw or transfer any funds.
  10. There are two instances which will trigger international transaction service charge. (1) A fee will be assessed on all transactions where the merchant country differs from the country of the card issuer; and (2) If you make a transaction in currency other than U.S. dollars, Visa® will convert the charge or credit into a U.S. dollar amount. The exchange rate on the processing date may differ from the rate on the date of your transaction. Visa uses an exchange rate of either: (a) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or (b) a government-mandated rate in effect for the applicable processing date. In each instance, the exchange rate is increased by an adjustment factor determined by the issuer. The adjustment factor, which is subject to change without notice, is currently 3% of the U.S. dollar amount, of which Bank receives 2% and Visa receives 1%. International transaction service charges will be assessed even if you initiate the transaction while you are in the U.S., such as internet transactions with a merchant who processes the transaction in a foreign country or in a currency other than U.S. dollars.
  11. No fee for connecting via Quicken Web Connect or Express Web Connect (Quicken Connect for Mac).
  12. No fee for connecting via QuickBooks Online or Web Connect through QuickBooks desktop software.

Member FDIC

C340-102NT (9/11/2023)