Fee Schedule as of 7-19-2010
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
State Bank Of Danvers
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