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From the Office of the CEO

Consumer Schedule of Charges

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


* 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.

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