SMALL BUSINESS CHECKING DISCLOSURE OF ACCOUNT TERMS

The minimum balance required to open this account is $100.00

You may make an unlimited number of deposits into this account.

Activity fee – First 250 items at no charge, includes debits, credits, and items deposited. A fee of $.35 per item over 250 will be applied.

Online bill payment – 10 payments free per month. A fee of $.40 for each additional payment will be applied.

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