High-Yield Checking Facts and Fees

We’re not into keeping the details hidden behind a curtain. That’s why we’ve laid out all the facts and fees associated with our High-Yield Checking Account.

Facts	Fee
Monthly service Fee Some accounts require a monthly fee–not this one.	$0
Overdraft Item/Non-sufficient Funds Fee We’ll charge this to you if we pay for a transaction that you made but couldn’t pay for due to insufficient funds	$33.00 per item
Return Item Fee A return item fee is charged when we must return a transaction you’ve made (i.e. a check you’ve written from an account with insufficient funds)	$33.00 per item
Return Deposited Item Fee This fee is charged if a check you have deposited is returned unpaid	$10.00 per item
Continuous Overdraft Fee This fee is charged if your account is overdrawn and you don’t replenish the credited funds in a timely manner	$5 after 3 business days; $5.00/day thereafter
Stop Payment Fee If you request a payment not to be paid	$33.00
Dormant Account Fee If the activity in your account has slowed (i.e. you haven’t logged in or made a transaction in 24 months)	$5.00/month
Early Account Closure If you close your account within the first 6 months, you’ll be charged this fee	$30 plus forfeiture of opening premium

Overdraft Fees
From Personal Line of Credit Insufficient funds will be covered by an approved variable rate loan that you can pay down or continue to use up to the approved amount	$10.00 per transaction
From Checking/Savings/Money Market If you have another account with us, and have authorized an automatic transfer in case of an overdraft, your insufficient funds will be covered by money in another account	$10.00 per transaction

Account Services
Cashier’s Check Fee (customers only) A check that’s guaranteed by our bank	$5.00
Account Reconciliation Assistance What we charge to help you balance your checkbook	$30.00 per hour ($30 minimum charge)
Account Research What we charge if you request us to research your account	$30.00 per hour plus costs ($30 minimum charge)
Debit or ATM Card Replacement Replace your card for a small fee	$10.00
Rush Order for Debit or ATM Card If you need a new Debit or ATM Card rush ordered	$35.00
Foreign ATM Usage	$3.00 per transaction**
Foreign Currency Conversion	2%*

Wire Transfers Another way to send money from one account to another
Wire Transfer Fee (incoming, domestic)	$0.00
Wire Transfer Fee (outgoing, domestic)	$20.00
Wire Transfer Fee (incoming, international)	$0.00
Wire Transfer Fee (outgoing, international)	$35.00

OPEN A HIGH-YIELD CHECKING ACCOUNT

**To qualify must make at least 12 debit card purchases of $5 or more, make one direct deposit or Automated Clearing House (ACH) payment of at least $200 and receive electronic statements each cycle month. There is no penalty for not qualifying in a given cycle.

*We may charge an international service fee equal to 2% of the amount of the transaction on any international transaction, such as a withdrawal from an ATM outside the United States (for example, an internet purchase from a foreign merchant). This fee applies regardless of whether the transaction occurs in U.S. Dollars.

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