|
| DDA |
| Premier Checking |
$5 base charge per month, plus:
Check statement plus images of all physical items (fronts)
Free binder with monthly dividers for your statements
Free reprint of one image per month
Free notary public service
$10 discount on safe deposit box rental
Free photocopies (5 per visit)
$1.50/month discount on Debit Card
$25 minimum opening deposit |
| Basic Checking |
No service charge if low balance of $300 is maintained, if not then $2 base charge per month.
Includes none of the above services
$25 minimum opening deposit |
| NOW Account |
No service charge if average available balance is over $1500, $2.50 base charge per month if average available balance is below $1500 plus $.15 per check, $5 base charge per month is avergae available balance is below $750 plus $.15 per check.
$10 discount on safe deposit box rental
$25 minimum opening deposit |
| Money Market Checking |
$15 base charge per month if the average available balance is below $2500
$10 discount on safe deposit box rental
$2500 minimum opening deposit
Must maintain $2500 average available balance to obtain disclosed APY |
| Overdrafts -
per day |
| Overdrafts may be created by check, in-person withdrawal, ATM withdrawal, or other electronic or non-electronic means |
$2.00 - 100.00
$100.01 - 500.00
$500.01 - 1000.00
$1000.01 - 5000.00
$5000.01 and up |
20.00
30.00
40.00
50.00
60 first day, 55.00 plus .1% thereafter |
| NSF |
20.00 |
| Stop Payments |
20.00 |
| Check Copies |
3.00 |
| Automatic Transfer |
3.00 |
| Basic Checking Dormant
Fee |
4.00/mo |
| Debit Card |
2.00/mo |
| Debit Card Chargeback |
40.00 |
| Debit Card Replacement |
10.00 |
| Debit Card HotCarding |
10.00 |
| Deposited Return Item Fee |
2.00 |
| Snapshot Statement |
1.00 |
| Duplicate Statement Ongoing |
3.00 |
| Collection Item |
20.00 |
| Check Cashing-Uncollected Funds |
Same as non customer |
Business Account Analysis
Maintenance Fee
Per Check/Debit
PerDeposit/Credit
On Us Checks
In District Checks
Out of District Checks
Uncollected Funds
Earnings Credit
Overdraft Charges |
10.00/month
0.15
0.35
0.08
0.09
0.10
SBD Reference Rate
Set By Bank
None
|
| ACH Origination File Fee |
5.00 |
| ACH Origination Item Fee |
0.02 |
| ACH Origination Excp Fee |
1.00 |
| Savings |
| Savings Maintenance Fee |
$3 base charge per month if under $100
average available balance (free for children) |
| Money Market Savings |
$15 base charge per month if the average
available balance is below $2500
$10 discount on safe deposit box rental |
| Savings Automatic Transfer |
$3.00 per transfer any amount/$100.00 increments |
| Certificates |
| Penalty for early withdrawal |
2% of the current balance
for maturities of 1 year or less
5% of the current balance for maturities of over 1 year |
| Loans
|
| Ready Reserve annual fee |
20.00 |
| Loan Extension Fee |
0.2% of balance (Interest must be paid in addition)( $25 minimum) |
| Consumer Credit Report |
18.00 |
| Note and Mort Modification
Agreement |
100.00 |
| REM Origination Fee |
1.00% ($300 minimum) |
| REM Closing Fee |
200.00 |
| REM Doc Prep Fee |
150.00 |
| REM Credit Report |
Inc in Doc Prep |
| Flood Hazard Determination |
Inc in Doc Prep |
| Appraisal (estimate) |
225.00 |
| Abstract (estimate) |
150.00 |
| Title Opinion (estimate) |
200.00 |
| Recording UCC (each) |
20.00 |
| Recording Mortgage (each) |
46.00 |
| Satisfaction of Mortgage (each) |
46.00 |
| Mortgage Registry Tax |
2.30/M |
| Mortgage Refinance Fee |
1.00% of Principal ($500 minimum) |
| Chattel Refinance Fee |
1% of Principal |
| Letter of Credit |
0.5% of Principal(0.25% for renewals) |
| Late Charge |
5% of late amount, 7.28 min |
| Safe Deposit Box |
| 2 x 5 Box |
10.00 per year |
| 3 x 5 Box |
15.00 per year |
| 5 x 5 Box |
25.00 per year |
| 3 x 10 Box |
30.00 per year |
| 5 x 10 Box |
50.00 per year |
| 10 x 10 Box |
75.00 per year |
| Box Drilling |
25.00 + 75.00(cost of lock) = $100.00 |
| Lost Key Replacement |
20.00 |
| Late Fee (per month) |
1.00 |
| Other |
| Non-Customer Check Cashing |
10.00 + 1% |
| Non-Customer Coin Rolls |
.25/roll |
| Personal Money Order |
4.00 |
| Cashiers Check |
6.00 |
| Certified Check |
15.00 |
| Wires- Outgoing |
20.00 |
| Wires- Incoming |
15.00 |
| Wires- International |
60.00 |
| Copies |
0.20 B & W, 0.35 Color |
| Fax Machine per page in
USA |
2.00 |
| Fax Machine per page outside USA |
6.00 |
| Account Research |
$20/hour |
| ATM Fee - noncustomer |
2.00 |
| Farm Lease |
20.00 |
| Security Purchase Fee |
50.00 |
