|
| 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 first order of 50 checks
Free reprint of one image per month
Free notary public service
$10 discount on safe deposit box rental
Free photocopies (5 per visit)
$2 discount on VISA TravelMoney card
$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 |
| Redeposited Item Fee |
2.00 |
| 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 ransfer 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% |
| 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% of Principal(500 min) |
| Chattel Refinance Fee |
1% of Principal |
| Letter of Credit |
0.5% of Principal(0.25% for renewals) |
| Late Charge |
5% of late amount, 6.24 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 |
| 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 |
| Notary Public Fee - non-Premier |
10.00 |
| Security Purchase Fee |
50.00 |
| VISA TravelMoney card-nonPremier |
$9.95 per card |
| VISA TravelMoney card-Premier |
$7.95 per card |
