| 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 |
