HOMETOWN CHECKING ACCOUNT DISCLOSURE OF ACCOUNT TERMS

The minimum deposit required to open this account is $100.00.

No service charge if your daily ledger balance is $500.00 or more. If your daily ledger balance drops below $500.00 anytime during the statement period, a $5.00 service charge will apply. This charge will not apply to account owners under the age of 18.

You may make an unlimited number of deposits into this 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.

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