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TRUTH IN SAVINGS ACT
The FDIC Improvement Act of 1991 contained within it the Truth in Savings Act. The purpose of this act is to enable consumers to make informed decisions about deposit accounts in depository institutions.
REGULAR CHECKING
| Minimum Opening Balance | 100.00 |
| Balance required to avoid service charge | $500.00 |
| Monthly Maintenance Fee | $2.00 |
| Balancing of Statement | $10.00 per hour |
| Insufficient Funds Charge | $25.00 per item |
| Overdraft Charge | $25.00 per item |
| Stop Payment Charge | $25.00 per item |
| Deposited Check Return Charge | $2.00 per item |
| Daily Negative Balance Fee | $3.00/per day |
- Statement Period: Monthly
- If at any time during the statement period the balance falls below $500.00 there is a $7.50 service charge.
- Cost of check printing varies depending on the style of checks ordered.
- Per check charge: $.20 per check after 20 checks per month.
ADDITIONAL FEES & SERVICES
| Activity Printout of Account | $1.00 per page |
| ACH Stop payment | $25.00 |
| Balance of Account Inquiry | $1.00 |
| Legal Processes which affect your account (I.e., garnishments, citations, etc.) | $15.00 |
| Balancing of Account: Research & Reconciliation | $10.00 per hour |
| Transfer of Funds between interbank accounts | $2.00 each |
| Check Cashing (Noncustomer) | below $250.00 - $2.00 over $250.00 - $5.00 |
| Money Orders | $2.00 |
| Travelers Checks | $1.00 per $100.00 |
| Certified Check Fee | $5.00 |
| Wire Transfers (per item) | $10.00 - incoming $15.00 - outgoing |
| Collection Items | $5.00 plus external bank charges |
| Fax Machine | $3.00 1st page $1.00 per additional page |
SAFE DEPOSIT BOXES
| 3x5 | $15.00 |
| 5x5 | $20.00 |
| 3x10 | $25.00 |
| 5x10 | $35.00 |
| 10x10 | $50.00 |
