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Rates & Fees

Effective as of August 1, 2018

Individual Retirement Account (IRA) Certificate of Deposit

Term Interest Rate Annual Percentage Yield (APY) Minimum balance to open an account and obtain the APY
18 Month
Variable Rate IRA
2.00% 2.02% $100
18 Month
Fixed Rate IRA
2.00% 2.02% $500
36 Month
Fixed Rate IRA
2.50% 2.53% $500

Certificate of Deposit Specials

Term Interest Rate Annual Percentage Yield (APY) Minimum balance to open an account and obtain the APY
9 Month Special 1.75% 1.76% $5,000 Checking Account Required
15 Month Special 2.26% 2.29% $5,000 Checking Account Required

* Variable rate may change after the account is opened.
* At maturity, the CD will automatically renew to the same term and the current rate in effect at that time.
* A penalty may be imposed for early withdrawal.
* Interest rate subject to change without notice.

Personal Banking Schedule of Fees

Account Closing Fee
if closed within 90 days of opening the account
$25
Account Confirmation / Verification
(third party inquiries)
$10
Back-up withholding remittance fee $2 per month
Express Banking 24 Card / Visa Debit Card  
ATM / Debit Card Replacement Fee $3
Debit Card Issuance Fee $5
Debit Card Replacement Fee $5
Foreign ATM Withdrawal Fee $2
Pin Change (If More Than 6 Per Month) $3
Surcharge For Non-Customers $2 per w/d
Cashier Checks  
Customer $6
Non-Customer $10
Chargebacks Per Item $5
Collections  
Domestic $20
Foreign $25
Counter Checks $0.50
Customer Account Balancing Waive first time $10 per account
Deposit Corrections $3 each
Dormant Account Fee $3 per month
Escheat Fee Per Remittance $10 per account
Foreign Currency Purchase Current Exchange Rate
Gift Cards $3.50 maximum $750
Personal Online Banking Services  
Bill Payment No Charge
Online Banking No Charge
Overdraft/Return Item Fee $35.00
For Non-Sufficient Funds Check Research  
Per Item $1.50 front - $2 Front & Back
Per Hour $25
Copies Of Statement/Statement Printout $3/Statement
Safe Deposit Box Rental (Per Year)  
3x5x24  
Customer $37
Non-Customer $42
3x10x24  
Customer $42
Non-Customer $57
5x10x24  
Customer $52
Non-Customer $67
7x10x24  
Customer $62
Non-Customer $82
Loss Of 1 Key $40
Loss Of 2 Keys $75
Special Handling  
Special Statement Cutoff $20
Statement Copy $3
Statement Print-out (2 free per month). $1
Check Images With Statement $5
Stop Payment  
In Branch $32
Online $26
Telephone Transfers No Charge
Travelers Checks (Per 100)  
Customer $2
Non-Customer $3
Wire Transfer  
Domestic  
Incoming $15
Outgoing $20
International  
Incoming $48
Outgoing $48

Business Banking Schedule of Fees

Currency Deposited & Sold per $1000 $1
Coin Deposited & Sold Per Roll $.10
MSB Monthly Account Maintenance $.10
Night Depository Service (per drop) $2
Night Deposit Bag (with key) $20
Deposit Corrections $3
Returned Items  
Special Instructions (per account) $10
Charged Back To Account $5
Pick-Up Charge Backs $5
Returns Re-entered $3
Online Banking Business  
ACH Credit Or Debit Originated Per Item $0.10
Monthly File Fee $30
ACH Returned Item $3
Online Bill Payment No Charge
Online Stop Payment $26
In-House Stop Payment $32
Security Tokens 2 Users No Cost. Replacement/Additional Per Token Cost - $12 Each For Additional Users
Positive Pay  
Monthly Maintenance $40
Suspect Item (per item) $0.10
Remote Deposit Capture  
Scanner Cost Varies
Sweep Accounts (per month) $125
Account Closing Fee
If Closed Within 90 Days Of Account Opening
$25
Account Confirmation/Verification
(third party inquiries)
$10
Back-up withholding remittance fee $2 per month
Express Banking 24 Card / Visa Debit Card  
ATM / Debit Card Replacement Fee $3
Debit Card Issuance Fee $5
Debit Card Replacement Fee $5
Foreign ATM Withdrawal Fee $2
Pin Change (If More Than 6 Per Month) $3
Surcharge For Non-Customers $2 per w/d
Cashier Checks  
Customer $6
Non-Customer $10
Chargebacks Per Item $5
Collections  
Domestic $20
Foreign $25
Counter Checks $0.50
Customer Account Balancing Waive first time $10 per hour
Deposit Corrections $3
Dormant Account Fee $3
Escheat Fee Per Remittance $10
Foreign Currency Purchase Current Exchange Rate
Gift Cards $3.50 maximum $750
Levy / Garnishment $75
Money Orders  
Customer $3
Non-Customer $5
Non-Depositor Check Cashing Fee  
Tax/Rapid Refunds $10 Or 2% Of Check
All Other Checks $10
Overdraft/Return Item Fee $35.00
For Non-Sufficient Funds Check Research  
Per Item $1.50 front - $2 Front & Back
Per Hour $25
Statement Research Copy $1
Safe Deposit Box Rental (Per Year)  
3x5x24  
Customer $37
Non-Customer $42
3x10x24  
Customer $42
Non-Customer $57
5x10x24  
Customer $52
Non-Customer $67
7x10x24  
Customer $62
Non-Customer $82
Loss Of 1 Key $40
Loss Of 2 Keys $75
Late Fee After 60 Days $10
Late Fee After 90 Days $15
Statement  
Special Statement Cutoff $20
Statement Copy $3
Statement Print-out (2 free per month). $1
Stop Payment  
In Branch $32
Online $26
Telephone Transfers No Charge
Travelers Checks (Per 100)  
Customer $2
Non-Customer $3
Wire Transfer  
Domestic  
Incoming $15
Outgoing $20
International  
Incoming $48
Outgoing $48

Resources

How to Open an Account

To become a customer of Lumbee Guaranty Bank, simply drop by any of our convenient locations today. Our friendly and helpful staff are here to assist you!