Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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Transaction Limitations for Personal Savings Account: Transfers from a Personal Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties. We may close or convert to a transaction account if transaction limits are consistently exceeded.
Transaction Limitations for Business Savings Account: Transfers from a Business Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties. We are required to close or convert to a transaction account an account that consistently exceeds the transaction limits.
Fees for all Savings Accounts: A service charge of $1.00 will be charged for each preauthorized, automatic, telephone, computer transfer, check, draft, or similar order to third parties in excess of six per month. This fee will not apply if the account is used by a person under age 18.
Transaction Limitations for Advantage Money Market Account: Transfers from a Advantage Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer, or by check, draft or similar order are limited to six per month.
Fees for Advantage Money Market Account: A service charge of $10.00 will be charged for these types of transactions in excess of six during a month. A service charge of $0.07 will be charged for each deposited item in excess of 50 during a month.
Transaction Limitations for tcb>PREPAID Account: You will not be issued checks, nor will you be able to access funds on your Card without having your Card to initiate the transactions. You may not initiate electronic payments to a merchant (“ACH debits”) or wire money using funds on your Card.
| Account Features | Details |
|---|---|
| The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account. | no |
| Account research and/or balancing assistance, per hour, after the first 1/4 hour. | $50.00 |
| Accounts closed within Ninety Days of Opening | $50.00 |
| Check Printing (fee depends on style of check ordered) | no |
| Temporary Checks, per page | $3.00 |
| Document copies, per page | $3.00 |
| Garnishments | $100.00 |
| Levies | $100.00 |
| Overdraft (OD)/Non-Sufficient Funds (NSF) Fees: NSF items are defined as items that were returned unpaid. OD items are items that are paid. All items presented against insufficient funds are automatically charged fees by the computer system. These fees are as follows: • Item(s) that create an overdrawn balance of less than $35.00 will not result in an NSF Returned Item Fee or Paid Item Fee. • Item(s) that create an overdrawn balance of $35.00 or greater will be charged a $35.00 per item NSF Returned Item Fee or Paid Item Fee. Multiple attempts may be made by a merchant or other payee to present a returned item for a payment and multiple fees may be charged to client as a result. Uncollected Funds Fees: Uncollected Funds items are defined as items that are returned or paid when presented against uncollected funds. • Item(s) that present on an uncollected balance of less than $35.00 will not result in an Uncollected Funds Returned Item Fee or an Uncollected Funds Paid Item Fee. • Item(s) that present on an uncollected balance of $35.00 or greater will result in a $35.00 per item Uncollected Funds Returned Item Fee or an Uncollected Funds Paid Item Fee. Multiple attempts may be made by a merchant or other payee to present a returned item for a payment and multiple fees may be charged to client as a result. Courtesy Pay Program Overdraft Fees: For Accounts that are opted-in to the Courtesy Pay Program (CP) and have items presented against insufficient funds, items will be paid up to the account’s Courtesy Pay limit if the client has not revoked their Courtesy Pay Program opt-in or the bank has not revoked the Courtesy Pay Program privilege. These fees are automatically charged by the computer system against all items. These fees are as follows: • Item(s) that create an overdrawn balance of less than $35.00 will not result in a Courtesy Pay Paid Item Fee. • Item(s) that create an overdrawn balance of $35.00 or greater will be charged a $35.00 per item Courtesy Pay Paid Item Fee. Multiple attempts may be made by a merchant or other payee to present a returned item for a payment and multiple fees may be charged to client as a result. Courtesy Pay Uncollected Funds Fees Uncollected Funds items are defined as items that are returned or paid when presented against uncollected funds. • Item(s) that present on an uncollected balance of less than $35.00 will not result in an Uncollected Funds Courtesy Pay Paid item Fee • Item(s) that present on an uncollected balance of $35.00 or greater will result in a $35.00 per item Uncollected Funds Courtesy Pay Paid item Fee. Multiple attempts may be made | no |
| Maximum Daily OD/NSF Fees are limited to three (3) per day or $105.00 | no |
| Continuous Day Overdraft Charge, will be imposed daily beginning on the 3rd business day an account has been overdrawn $35.00 or more and will continue until the account balance is positive | $4.00 |
| Incoming Wires, each | $15.00 |
| Outgoing Domestic Wires, each | $30.00 |
| Outgoing Foreign Wires, each | $75.00 |
| Stop Payments, per item ($10 discount if originated thru Digital Banking) | $45.00 |
| Check Item Sent for Collection, each | $30.00 |
| Night Depository Bag, with Lock, each, per year | $20.00 |
| 1099/1098 Tax Notice Copy or Correction, each | $7.00 |
| Duplicate Statement, per cycle | $3.95 |
| Automatic transfer of funds from a checking or savings account to a checking account to prevent overdraft | FREE |
| Online banking, bill pay, and eStatements | FREE |
| Undeliverable e-mail Fee -eStatement | $6.00 |
| Standard ATM/Debit Card, non-rush order | FREE |
| Replacement of lost or stolen ATM/Debit Cards, each (worn out cards are replaced free) | $25.00 |
| Deposited Check Returned Unpaid, each | $10.00 |
| Third Party Verification of Account Balance Information | $10.00 |
| Bad Address Fee, per month (A fee of $8.50 per month will be assessed when the Bank receives initial notification of a bad address) | $8.50 |
| Dormant Account Fee (A checking account is dormant if for twelve months you have made no deposits or withdrawals to the account. A savings account is dormant if for two years you have made no deposits or withdrawals to the account. The dormant account fee is charged each month if the daily account balance falls below $1,000.00 any day during the month) | $5.00 |
| Notary Services (waived for Gold Leaf Club members) | $5.00 |
| Fax Service | $7.00 per page |
| Purchase of Money Order | $5.00 |
| Purchase of Official Check | $8.00 |
| Safe Deposit Box Drilling Fee | $150.00 |
no | Version 7/1/2025 |
| Account Features | Details |
|---|---|
| The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account. | |
| Account research and/or balancing assistance, per hour, after the first 1/4 hour | $50.00 |
| Accounts closed within Ninety Days of Opening | $50.00 |
| Check Printing | Varies, please speak with your banker. |
| Temporary Checks, per page | $3.00 |
| Document copies, per page | $3.00 |
| Garnishments | $100.00 |
| Levies | $100.00 |
| Overdraft (OD)/Non-Sufficient Funds (NSF) Fees: | NSF items are defined as items that were returned unpaid. OD items are items that are paid. All items presented against insufficient funds are automatically charged fees by the computer system. These fees are as follows: • Item(s) that create an overdrawn balance of less than $5.00 will not result in an NSF Returned Item Fee or Paid Item Fee. • Item(s) that create an overdrawn balance of $5.00 or greater will be charged a $35.00 per item NSF Returned Item Fee or Paid Item Fee. Multiple attempts may be made by a merchant or other payee to present a returned item for a payment and multiple fees may be charged to client as a result. |
| Uncollected Funds Fees: | Uncollected Funds items are defined as items that are returned or paid when presented against uncollected funds. • Item(s) that present on an uncollected balance of less than $5.00 will not result in an Uncollected Funds Returned Item Fee or an Uncollected Funds Paid Item Fee. • Item(s) that present on an uncollected balance of $5.00 or greater will result in a $35.00 per item Uncollected Funds Returned Item Fee or an Uncollected Funds Paid Item Fee. Multiple attempts may be made by a merchant or other payee to present a returned item for a payment and multiple fees may be charged to client as a result. |
| Courtesy Pay Program Overdraft Fees: | For Accounts that are opted-in to the Courtesy Pay Program (CP) and have items presented against insufficient funds, items will be paid up to the account’s Courtesy Pay limit if the client has not revoked their Courtesy Pay Program opt-in or the bank has not revoked the Courtesy Pay Program privilege. These fees are automatically charged by the computer system against all items. These fees are as follows: • Item(s) that create an overdrawn balance of less than $5.00 will not result in a Courtesy Pay Paid Item Fee. • Item(s) that create an overdrawn balance of $5.00 or greater will be charged a $35.00 per item Courtesy Pay Paid Item Fee. Multiple attempts may be made by a merchant or other payee to present a returned item for a payment and multiple fees may be charged to client as a result. |
| Courtesy Pay Uncollected Funds Fees: | Uncollected Funds items are defined as items that are returned or paid when presented against uncollected funds. • Item(s) that present on an uncollected balance of less than $5.00 will not result in an Uncollected Funds Courtesy Pay Paid item Fee. • Item(s) that present on an uncollected balance of $5.00 or greater will result in a $35.00 per item Uncollected Funds Courtesy Pay Paid item Fee. Multiple attempts may be made by a merchant or other payee to present a returned item for a payment and multiple fees may be charged to client as a result. |
| Maximum Daily OD/NSF Fees: | There is no maximum daily limit |
| Continuous Day Overdraft Charge, will be imposed daily beginning on the 3rd business day an account has been overdrawn $5.00 or more and will continue until the account balance is positive | $4.00 |
| Incoming Wires, Each | $15.00 |
| Outgoing Domestic Wires, each ($10 discount if originated thru Digital Banking) | $30.00 |
| Outgoing Foreign Wires, each ($10 discount if originated thru Digital Banking) | $75.00 |
| Outgoing Drawdown Wire Request, each | $50.00 |
| Stop Payments, per item ($10 discount if originated thru Digital Banking) | $45.00 |
| Check Item Sent for Collection, each | $30.00 |
| Night Depository Bag, with Lock, each, per year | $20.00 |
| 1099/1098 Tax Notice Copy or Correction, each | $7.00 |
| Duplicate Statement, per cycle | $4.95 |
| Automatic transfer of funds from a checking or savings account to a checking account to prevent overdraft | FREE |
| Fax Service, per page | $7.00 |
| ATM/Debit Cards, non-rush order | $0.00 |
| Replacement of lost or stolen ATM/Debit Cards, each (worn out cards are replaced free) | $25.00 |
| Deposited Check Returned Unpaid, each | $10.00 |
| Bad Address Fee, per month (fee of $8.50 per month will be assessed when the Bank receives initial notification of a bad address). | $8.50 |
| Dormant Account Fee (A checking account is dormant if for twelve months you have made no deposits or withdrawals to the account. A savings account is dormant if for two years you have made no deposits or withdrawals to the account. The dormant account fee is charged each month if the daily account balance falls below $1,000.00 any day during the month). | $5.00 |
| Notary Services | $5.00 |
| Bill Payment (per month) | $12.00 |
| Purchase of Official Check | $8.00 |
| Purchase of Money Order | $5.00 |
| ACH Origination, per file | $6.00 |
| ACH Origination, per entry in file | $0.12 |
| ACH Same Day, per entry in file | $0.20 |
| ACH Software Licensing/Token/Set-up Fee | $60.00 |
| ACH Origination, Additional Software Training, per hour | $30.00 |
| ACH Monthly Fee | $25.00 |
| ACH Unauthorized Fee, per item | $15.00 |
| Positive Pay Service, per month | $40.00 |
| Online banking and eStatements | $0.00 No Charge! |
| Undeliverable e-mail Fee - eStatement | $6.00 |
| Third Party Verification of Account Balance Information | $10.00 |
| Safe Deposit Box Drilling Fee | $150.00 |
no | Rev. 7/01/2025 |
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