| CHECKING ACCOUNTS |
|
| Pinnacle Checking (NOW) |
|
| Monthly Maintenance Charge |
$20.00 |
| 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. |
|
| Charter Checking (NOW) |
|
| Monthly Maintenance Charge |
$10.00 |
| 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. |
|
| Choice Checking |
|
| Monthly Maintenance Charge |
$10.00 |
| 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. |
|
| MONEY MARKET AND SAVINGS ACCOUNTS |
|
| Money Market Accounts |
|
| Monthly Maintenance Charge |
$10.00 |
Charge waived if average daily balance* is $2,500 or more
during the statement cycle. |
|
| Savings Accounts |
|
| Monthly Maintenance Charge |
$15.00 |
| 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 (Based on reporting TIN). |
|
| 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 |
| Health Savings Accounts (HSA) |
|
| Annual Maintenance Charge |
$15.00 |
| IRA Accounts 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 |
$5.00 |
| (For transfers generated by the system from one deposit account to another) |
|
| Bank Check/Cashier’s Check |
$10.00 |
Bank Service of Process Fees
(Levies, Garnishments, Tax Warrants, etc.) |
$75.00 |
| Collection of Foreign and Domestic Checks and Drafts. |
Varies |
For foreign checks and drafts the fee will be equal to the
greater of: $25.00; or 1.50% of the collection amount. For
U.S. currency the fee will equal $25.00. |
|
Copies of paid items, withdrawals, statements,
checks presented or deposit tickets (per item)
(Research charge may apply per item) |
$4.00 |
| Counting Loose Coin |
Varies |
| (5% of the total amount counted for non-customers) |
|
| Deposited Items Returned |
$20.00 |
Dormant Account Fee (per month)
(Fee applies when account has had no activity during the previous 12 months) |
$8.00 |
| Express Shipping Check Purchase Orders |
$25.00 |
| Foreign Currency Purchases and Returns
Less than $500.00 |
$10.00 |
| Gift Checks |
$5.00 |
| Interim Statements |
$10.00 |
| Lost Passbook Replacement |
$10.00 |
| Notary Fee |
$5.00 |
| Connect24 Online Banking |
Free |
| Connect24 Online Bill Pay |
Free |
| Expedited Payment Fee |
$14.95 |
| Wire Research / Tracer / Confirmation |
$25.00 |
| Wire Transfers |
|
| Domestic Wire Transfer In |
$15.00 |
| Domestic Wire Transfer Out |
$25.00 |
| International Wire Transfer In |
$25.00 |
| International Wire Transfer Out |
$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 |
$8.00 each day balance of account is negative |
| MISCELLANEOUS CHARGES |
|
| Check Printing Charges |
Varies |
Medallion Guarantees
(For customers only) |
$25.00 |
| Research Charge |
$50.00 per hour or any portion of an hour |
| Return Mail Request for Express Services |
$35.00 |
| Safe Deposit Box Drilling |
$50.00 plus technicians fee |
| Safe Deposit Box Late Charge (per month) |
$5.00 |
| Safe Deposit Lost Key (per key) |
$15.00 |
| Stop Payments |
$32.00 |
| Temporary Checks (per check) |
$2.00 |
| Traveler’s Cheques: |
|
| Single Signature |
1.0% of purchase amount |
| Dual Signatures |
1.5% of purchase amount |
| Verification of Deposit Form |
$15.00 |
