Relationship Checking Account Truth in Savings Disclosure
Minimum Balance Requirements
- There is no minimum deposit amount required to open this noninterest-bearing account.
- A minimum balance fee of $5.00 will be imposed every month if the balance in the account falls below $200 any day of the monthly statement cycle period. This fee is waived, however, if you maintain $1,000 in a combination of either a Savings Account(s); Certificate(s) of Deposit; and/or, a Money Market Account.
- Direct deposit required as a periodic deposit transaction.
Transaction Limitations
- You may make unlimited deposits into or withdrawals from your account each month.
Service Fees
The following fees may be assessed against your account:
| Stop Payments (per item) | $35.00 |
| *Overdrafts (per item paid or returned) | $40.00 |
| Deposit Item Chargeback (per item) | $15.00 |
| Research (per hour/minimum $30) | $30.00 |
| Escheat Processing | $100.00 |
| Overdraft Protection Transfers (per occurrence) | $10.00 |
| Dormant Account (per month after one year) | $5.00 |
| Early Account Closure (within 180 days of opening) | $30.00 |
| Foreign ATM Cash Withdrawals | Free |
| First order of checks free, if Bank Custom Check selected. Thereafter, check printing fees vary based upon the check style selected. |
* The overdraft fee applies to overdrafts created by in person withdrawal or electronic means as applicable. The fee is assessed on only the first six overdraft items per day. Overdrafts of $5.00 or less do not incur a fee.
Additional Account Information
The Relationship Checking Account provides the following customer privileges:
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Free initial order of checks. Applies to Bank custom check style only. Fees of other styles vary, based upon the style selected.
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Certificate of Deposit (CD) Bonus Rate - Earn an additional 0.25% on new regular or IRA CDs or ones being renewed. Promotional CDs, both regular and IRA ones, do not qualify for the bonus rate.
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Loan Discount and Bonus – With the automatic transfer of periodic loan payments from Relationship Checking, earn a discount of 0.25% on nonrevolving consumer loans…plus an added bonus of all fees waived on consumer loans and $100 off fees at the time of closing for residential mortgage loans.
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Unlimited check writing, with no transaction or per item fees.
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Free Online Banking
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Free Online Bill Pay & Presentment
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Free Debit Card
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Free Telephone Banking
Equal Housing Lender. Member FDIC.