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From the Office of the CEO

Consumer Schedule of Charges

CHECKING ACCOUNTS  
Pinnacle Account (NOW)
Monthly Maintenance Charge
Charge waived if average daily balance* is $25,000 or more during the statement cycle, or if the cumulative balance in all savings accounts is not less than $50,000, or the cumulative balance of all personal loans is not less than $50,000 on the service charge calculation date.


$20.00
Charter Checking (NOW)
Monthly Maintenance Charge
Charge waived if average daily balance* is $1,750 or more during the statement cycle, or if the cumulative balance in all savings accounts is not less than $10,000 or the cumulative balance of all personal loans is not less than $25,000 on the service charge calculation date.


$10.00
50 Plus Free Spirit Checking (NOW)
Monthly Maintenance Charge
Charge waived if all owners of the account are age 50 or older AND a recurring direct deposit is credited during each statement cycle.


$10.00
Choice Checking
Monthly Maintenance Charge
Charge waived if average daily balance* is $500 or more during the statement cycle, or a direct deposit is credited to the account during the statement cycle.


$10.00
MONEY MARKET AND SAVINGS ACCOUNTS

 
Money Market Accounts
Monthly Maintenance Charge

Charge waived if average daily balance* is $2,500 or more during the statement cycle.


$10.00
Savings Accounts
Monthly Maintenance Charge
Charge waived if average daily balance* is $500 or more during the statement cycle, or if the depositor is under the age of 18, or a student under the age of 22, or over the age of 50


$5.00
Transaction Fees
May apply to money market accounts and savings
 
Transfers or check(s) in excess of the regulatory limits
(Charge per check or transfer for each occurrence exceeding 6 per statement cycle)
$15.00
Checks in excess of the regulatory limits
(applies to Money Market Checking only)

$15.00
Health Savings (HSA)
Annual Maintenance Charge


$15.00
IRA FEES
Transfer Fee

$25.00

OTHER CHARGES

 
Account Closed within 182 days of the opening date
$10.00
ATM/VISA® Check Card Replacement
$10.00
ATM/VISA Check Card Special Handling
$50.00
ATM Surcharges-When you use an ATM not owned or operated by us, you may be charged a fee by the ATM operator, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.  
Automated Transfers
(For transfers generated by the system from one deposit account to another)
$5.00
Bank Check/Cashier’s Check
$10.00
Bill Pay Connect24
Free
Collection of Foreign and Domestic Checks and Drafts
1.5% of collected amount for collection in foreign currency, $25.00 for collection of U.S. currency
Varies
Copies of paid items, withdrawals, statements, checks presented or deposit tickets (Research charge may apply per item)
$4.00 per
Counting Loose Coin
(5% of the total amount counted for non-customers)
Varies
Deposited Items Returned
$20.00
Domestic Wires In
$15.00
Domestic Wires Out
$25.00
Dormant Account Fee
(Fee applies when account has had no activity during the previous
12 months)

$8.00
per month
Express Shipping Check Purchase Orders
$25.00
Foreign Currency Purchases and Returns
Up to $250.99
$251.00 to $2,000.99
$2,001.00 to $7,500.00 (maximum single purchase)

$ 5.00
$10.00
$15.00
Gift Checks
$5.00
Interim Statements
$10.00
Levies, Garnishments, Tax Warrants, etc
$75.00
Lost Passbook Replacement
$10.00
Notary Fee
$5.00
Online Banking
Free
Online Bill Pay
Free
Wire Research / Tracer / Confirmation

$25.00
International Wires
Wire Transfer

$50.00
OVERDRAFT CHARGES
(Applies to checks, ACH and EFT transactions that cause the account balance to go negative)
 
Overdraft-Insufficient Funds-Paid or Returned
$32.00
Overdraft-Uncollected Funds-Paid or Returned
$32.00
Daily Negative Balance Fee each day balance of account is negative

$8.00
MISCELLANEOUS CHARGES
Check Printing Charges

Varies
Research Charge per hour or any portion of an hour
$50.00
Return Mail Request for Express Services
$35.00
Safe Deposit Box Drilling
$50.00
plus technicians fee
Safe Deposit Lost Key (per key)
$15.00
Signature Guarantees (For customers only)
$25.00
Stop Payments
$32.00
Temporary Checks
$2.00 per
Traveler’s Cheques:
Single Signature

1.0% of purchase amount
Dual Signatures
1.5% of purchase amount
Verification of Deposit Form

* The average daily balance is calculated by adding the
funds on deposit in the account each day of the
statement cycle and dividing that figure by the number
of days in the statement cycle.
$15.00

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