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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.
SPECIAL STUDENT AND SENIOR CHECKING
| Minimum Opening Balance | 100.00 |
| Balance required to avoid service charge | none |
| Monthly Maintenance Fee | $2.00 |
| Balancing of Statement | $10.00 per hour |
| Insufficient Funds Charge | $22.00 per item |
| Overdraft Charge | $22.00 per item |
| Stop Payment Charge | $22.00 per item |
| Deposited Check Return Charge | $2.00 per item |
- Statement Period: Monthly
- Cost of check printing varies depending on the style of checks ordered.
ADDITIONAL FEES & SERVICES
| Activity Printout of Account | $1.00 per page |
| ACH Stop payment | $22.00 |
| 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
FDIC DOES NOT INSURE SAFE DEPOSIT BOX CONTENTS
| 3x5 | $15.00 |
| 5x5 | $20.00 |
| 3x10 | $25.00 |
| 5x10 | $35.00 |
| 10x10 | $50.00 |
FDIC DOES NOT INSURE SAFE DEPOSIT BOX CONTENTS
