CHECKING ACCOUNT FEES |
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| Overdraft | $25.00 per item |
| Non Sufficient Funds (NSF) | $25.00 per item |
| Return Item | $25.00 per item |
| Courtesy Pay | $25.00 per item |
| Stop Payment | $25.00 per item |
| Overdraft Protection(LOC) | $20.00 per year |
| Copy of Paid Check | $2.00 per check |
CHECKING WITH INTEREST ACCOUNT FEES |
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| Service Charge | 8.00 per month if account balance drops below $500. |
MONEY MARKET ACCOUNT FEES |
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| Service Charge | 8.00 per month if account balance is less than $2,000. |
CHRISTMAS CLUB ACCOUNT FEES |
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| Account Withdrawal | $5.00 per withdrawal, account is closed and no interest is paid. |
ELECTRONIC FUND TRANSFER FEES |
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| Debit Card Replacement | $5.00 per card |
| ACH Overdraft | $25.00 per item |
| Debit Card Overdraft | $25.00 per item |
| ATM Debit Card Withdrawal | $1.00 per withdrawal after 4 per month |
| Visa: Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transaction is a rate selected by Visa from a range of rates available in wholesale currency markets from the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.
A fee of 1 percent of the amount of the transaction, calculated in U.S. dollars will be imposed on all multiple currency foreign transactions, including purchases, cash withdrawals and credit to your account. A fee of 0.8 percent of the amount of the transaction, calculated in U.S. dollars will be imposed on all single currency foreign transactions, including purchases, cash withdrawals and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. |
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OTHER SERVICE FEES |
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| Excessive Withdrawls | $2.00 per third-party transaction over 6 per month (savings and money market) |
| Wire Transfer (Outgoing Foreign) | $40.00 per transfer |
| Wire Transfer (Outgoing Domestic) | $25.00 per transfer |
| One Time ACH Origination | $15.00 per transfer |
| Casher’s Check | $3.00 per check |
| Money Order | $3.00 per check |
| Account Reconciliation | $20.00 per hour, $5.00 minimum charge |
| Account Research | $20.00 per hour, $5.00 minimum charge |
| Deposited Item Returned | $2.00 per item |
| Legal Process | $25.00 |
| Mobile Banking | $.04 per text after 20 |
| Inactive Account | Inactive for 24 months (2 years) and less than $2500 in account |
| Return Statement | $5.00 per statement |
| Photocopy | $.10 per page |
| Fax | $1.00 per page, incoming and outgoing |
| Duplicate Statement | $2.00 per statement |
SMALL BUSINESS CHECKING ACCOUNT FEES |
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| Service Charge | $15.00 per month if account balance drops below $2000 during the month |
| Deposit Items | First 250 items deposited are free. $.10 per item fee thereafter |
| Cleared Checks | First 50 cleared checks are free. $.10 per item fee thereafter |
| Overdraft | $25.00 per item |
| Non Sufficient Funds (NSF) | $25.00 per item |
| Return Item | $25.00 per item |
| Stop Payment | $25.00 per item |
| Overdraft Protection(LOC) | $20.00 per year |
| Copy of Paid Check | $2.00 per check. (Available for free through on-line banking.) |