Checking Account Disclosure

CHECKING ACCOUNT DISCLOSURE OF ACCOUNT TERMS

The minimum deposit required to open this account is $100.00.

To avoid a service charge you will need to deposit $400.00 A service charge of $5.00 will be imposed if the daily balance drops below $400.00 any time during the statement period (monthly). This charge will not apply to accounts belonging to Senior Citizens 65 and over, Non Profit Organizations, or Full Time Students under the age of 22, if the bank has been notified that the account holder qualifies for this exemption.

OTHER CHARGES THAT MAY APPLY

Return Item: $20.00 per check or electronic withdrawal drawn against insufficient funds.

Overdraft Service: $20.00 per check, per in-person withdrawal, ATM withdrawal, or any other electronic withdrawals drawn against insufficient funds

Stop Payment Charge: $ 20.00 per check

Account Monitoring: $25.00 per month

Money Order Fee : $ 2.00

Cashiers Check Fee: $ 4.00

Notary Public: Free

Incoming Wire: Free

Outgoing Wire Fee: $ 15.00

International Wire: $60.00

Collection Item Fee: $ 20.00 (or actual cost)

Canadian Check: $15.00

Special Statement Request: $ 2.00

Personalized Checks: Price will vary depending on style

Research Fee: $35.00 per hour

Garnishments or Levies: $25.00

ATM or Debit Card Replacement: $5.00

Cash Management: $5.00 per transfer

We appreciate your business and it is our intention to give you the best possible service. If you have any questions concerning your account, please contact any member of our staff.