Fee Schedule

 Credit Products | Other Services | Collateral | Capital Stock  |  Key Contact Guide & Fee Schedule

FHLBank Topeka charges the following fees for certain products and services, including letters of credit, standby credit facility, wire transfers, safekeeping, Federal Reserve settlements and other transactions.

FHLBank will charge a $100 processing fee to the applicant for each draw on a letter of credit.

Standby Credit Facility
FHLBank will charge a non-refundable fee of 0.08% per annum of the standby credit facility amount or a minimum of $10,000. The fee will be charged on an actual/365(6)-day basis.

Late Advance Payments (principal and interest)
FHLBank may charge a Late Advance Payment fee of ½% of payments received after 4 p.m. CT.

Transfer Fee
With prior approval from FHLBank, a member or housing associate may transfer an advance or letter of credit to another Tenth District institution. The receiving entity is subject to FHLBank’s normal credit guidelines, and a $100 transfer fee will be charged to the transferrer.

Derivative Transactions
Fees and/or interest rate spreads will be charged to cover costs and risks associated with derivative transactions including interest rate swaps, caps and floors, and equity options.

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Other Services
Deposit Services
	Demand Accounts
		Debit transactions		$0.15/transaction
		Credit transactions		$0.15/transaction
		Additional statements		$5.00
		Monthly maintenance fee		$20.00/month
		Federal Reserve Settlements		$75.00/month
Overdrafts
A minimum fee of $25 will be charged on all overdrafts. FHLBank will make an effective transfer of any funds available in the customer’s overnight or other demand deposit account to cover the overdraft. Overdraft amounts remaining after any effective transfers must be brought to a positive or $0 balance the same business day by wiring funds or taking down an advance and will be charged a fee calculated by the greater of $25 or 4% of the amount of the overdraft.
Wire Transfer | Coin and Currency | ACH | Stock
	Incoming wire transfers			$4.00/wire
	Outgoing wire transfers			$6.00/wire
	Outgoing foreign wire transfers			$6.00/wire (additional fee)
	Pass-through reserves			No charge
	Coin and currency			$2.50/call
	ACH settlement only			$0.50/transaction
	ACH returns			$1.25/item
	ACH origination			$10.00/month
	Fax for ACH files			$1.75/day
Security Safekeeping Transaction Fees
(receipt and delivery)
	Federal Reserve book-entry securities			$2.50
	FRB reclaims and DKs			$2.50
	DTC securities			$5.50
	Physical securities			$40.00
	Euro/Cedel securities			$75.00
	Payment Disbursal (per CUSIP)
		Federal Reserve Payment
			Fewer than 100 securities	$4.00
			100 to 200 securities	$3.50
			More than 200 securities	$3.00
		DTC and Physical Payment
			Fewer than 100 securities	$6.50
			100 to 200 securities	$6.00
			More than 200 securities	$5.50
	Portfolio Security Transfer Fee			$1.50
	Segregation and Pledge Activity Fees			$10.00
	(Joint custody, pledges to third party, repo pledges, segregation and pledge releases. Members and housing associates pledging securities to support outstanding credit obligations with FHLBank will not be charged a pledge activity fee.)
	Monthly Account Maintenance Fees (per CUSIP)
	(includes claim processing audit verifications and access to account information via the Internet at no additional cost)
		Federal Reserve Book-entry Securities
			Fewer than 100 securities	$5.00
			100 to 200 securities	$4.75
			More than 200 securities	$4.50
	Portfolio Security Transfer Fee			$1.50
Other
	Fewer than 100 securities			$6.00
	100 to 200 securities			$5.75
	More than 200 securities			$5.50
	In-house			$0.25
	Miscellaneous Fees
		Registration or deregistration		at cost
		Postage and insurance		at cost
		Other expenses as incurred		at cost
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	Delivered Collateral
	(applicable only to loans safekept at FHLBank)
		Initial loan review fee		$4.00/loan
		Monthly maintenance fee		$0.25/loan
		Loan release fee		$4.00/loan

FHLBank may charge a member or housing associate reasonable fees and costs incurred in connection with the review, appraisal and perfection of pledged collateral. Travel expenses may be charged to the member or housing associate for inspection of property outside FHLBank’s district.

Collateral Verification
FHLBank will charge a member or housing associate an hourly fee of $125 per reviewer for on-site time or a minimum fee of $500 for collateral verifications.

Case-by-Case Collateral Review
Loans
Members or housing associates requesting FHLBank to accept case-by-case loan collateral will be charged an up-front review fee of $500 per asset request. Collateral that requires loan documentation review will be charged an hourly fee of $125. Fees will be charged regardless of FHLBank’s decision to accept the case-by-case collateral as eligible collateral.
 
Securities
Case-by-case securities collateral will be charged a fee of $125 per security. Fees will be charged regardless of FHLBank's decision to accept the case-by-case collateral as eligible collateral.

Waivers
The FHLBank president, or in the president’s absence the chief operating officer or the senior vice president, Member Products, may waive fees related to collateral provided the waiver is similarly applied to all members and housing associates.

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