MAIN STREET 55 CHECKING DISCLOSURE OF ACCOUNT TERMS
Minimum balance to open account is $100.
Minimum balance to avoid service charge – No fee will be charged if you maintain a minimum daily ledger balance of $100 or more, If your daily ledger balance drops below $100 anytime during the statement period, a service charge of $5.00 will be applied. You may make an unlimited number of deposits into your account.
Online Bill Pay – No fee if 10 or more debit card purchases are posted each month or if you maintain a minimum daily ledger balance of $2,500 per monthly statement cycle. If neither of these two provisions are met, a charge of $3.95 will be applied each month you are enrolled in the service.
Personalized Checks – Citizens Bank customer checks printed by Harland Clarke will be supplied to you free of charge with a limit of 2 boxes of checks per year. Other checks offered by Harland Clarke may be purchased at a $5.00 discount off of the regular price. Prices will vary depending on style of checks ordered.
OTHER CHARGES THAT MAY APPLY
Return Item: $20.00 per check or electronic withdrawal returned due to insufficient available funds in the account. Fee charged for the first presentment only.
Overdraft Service: $20.00 per check, per in-person withdrawal, ATM withdrawal, or any other electronic withdrawals drawn against insufficient funds and paid into the overdraft. $100 daily maximum.
Stop Payment Charge: $20.00 per check or electronic withdrawal.
Account Activity Monitoring: $25.00 per month
Money Order Fee: $2.00
Cashier’s Check Fee: $4.00
Notary Public: Free
Incoming Domestic Wire: Free
Outgoing Domestic Wire Fee: $15.00
International Wire (Incoming or Outgoing): $75.00
Collection Item Fee: $20.00 (or actual cost)
Canadian Check Deposited: $15.00
Statement Copies: $2.00 per month
Account Activity Printout: $2.00 per printout
Personalized Checks: Price will vary depending on style
Research Fee: $35.00 per hour
Garnishments or Levies: $25.00
Debit Card Replacement: $10.00 (One free replacement will be provided each year, if necessary).
Stop a Lost, Stolen, or Compromised Debit Card: $10:00
