|
CONSUMER SCHEDULE OF CHARGES
CHECKING ACCOUNTS
|
Pinnacle Account
(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. |
|
50 Plus Free Spirit Checking (NOW) |
|
Monthly Maintenance
Charge |
N/A |
|
Charge waived for
individuals age 50 and older. |
MONEY MARKET ACCOUNTS
|
Money Market Accounts
with Checks |
|
Monthly Maintenance
Charge |
$10.00 |
|
Charge waived if average daily balance* is $2,500 or
more during the statement cycle. |
|
Transaction Fees |
|
Transfer in excess of the regulatory limits |
$15.00 |
|
(Charge per transfer for each transfer exceeding 6
per statement cycle) |
|
Checks in excess of the regulatory limits |
$15.00 |
|
(Charge per check for each check exceeding 3 per
statement cycle) |
|
Money Market Accounts-Statement |
| Monthly
Maintenance Charge |
$10.00 |
Transaction Fees |
|
Transfer in excess of the regulatory limits |
$15.00 |
|
(Charge per transfer for each transfer exceeding 6
per statement cycle) |
|
SAVINGS ACCOUNTS
|
Savings Accounts |
|
Monthly Maintenance
Charge |
$ 5.00 |
|
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. |
|
IRA FEES |
|
Transfer Fee |
$25.00 |
OTHER CHARGES
|
Account Closed within 182
days of the opening date |
$10.00 |
ATM/EFT CHARGES |
|
|
ATM/VISAź 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 |
$ 3.00 |
(For transfers generated by
the system from one
deposit account to another) |
|
|
Bank Check/Cashier’s Check |
$10.00 |
|
Bill Pay Monthly Fee -
Connect24 |
No Charge |
|
Bill Pay Discontinuation Fee |
$ 9.95 |
(Fee applies when an active
or never activated account has
no activity for a period
of 60 days) |
|
|
Collection of Foreign Checks
and Drafts |
Varies |
Copies of paid items,
withdrawals, checks presented
or deposit tickets |
$ 4.00 |
|
(Research charge may apply
per item) |
|
|
Counting Loose Coin |
Varies |
|
(5% of the total amount
counted for non-customers) |
|
|
Daily Negative Balance Fee |
$ 5.00
|
|
each day balance of account
is negative |
|
|
Deposited Items Returned |
$10.00 |
|
Domestic Wires In |
$10.00 |
|
Domestic Wires Out |
$20.00 |
|
Express Shipping Check
Purchase Orders |
$25.00 |
Foreign Currency Purchases
and Returns
Up to $250.99
$251.00 to $2,000.99
$2,0001.00 to $7,500.00 (maximum single purchase) |
$ 5.00
$10.00
$15.00 |
|
Gift Checks |
$ 4.00 |
|
Interim Statements |
$ 5.00 |
|
Levis, Garnishments, Tax
Warrants, etc |
$55.00 |
|
Lost Passbook Replacement |
$10.00 |
|
Notary Fee |
$ 5.00 |
|
Online Banking
INTERNATIONAL WIRE
TRANSFERS
Wire Transfer Amount
$0 to $500.99
$501.00 to $10,000.99
$10,001.00 to $25,000.99
$25,001.00 to $50,000.99
$$50,001 and over |
No Charge
$30.00
$45.00
$50.00
$55.00
$60.00 |
OVERDRAFT CHARGES
|
(Applies to checks, ACH and EFT transactions that cause
the account balance to go negative) |
|
|
Overdraft-Insufficient
Funds-Paid or Returned |
$29.00 |
|
Overdraft-Uncollected
Funds-Paid or Returned |
$29.00 |
|
|
|
|
Paid Items Inquiry |
$ 2.50 |
|
Photocopies |
$ 2.00 |
|
Printed Check Purchases and
Charges |
Varies |
|
Purchase Foreign Currency |
Varies |
|
Research Charge |
$35.00 |
|
per hour or any portion of
an hour |
|
|
Return Mail Request for
Express Services |
$35.00 |
|
Safe Deposit Box Drilling |
$50.00
plus technician's fee |
|
Safe Deposit Lost Key (per
key) |
$15.00 |
|
Signature Guarantees (for
customers only) |
$15.00 |
|
Statements by Fax |
$14.00 |
|
Stop Payments |
$25.00 |
|
Temporary Checks |
$ 1.00 per |
|
Traveler’s Cheques: |
|
|
Single Signature |
1.0% of
purchase amount |
|
Dual Signatures |
1.5% of
purchase amount |
|
Verification of Deposit Form |
$11.00 |
* 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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