CHECKING ACCOUNTS
Minimum opening deposit ...........$100.00
Free Checking Plus
Want Free Checking and more? Then this is just the account you are looking for. Just look at all the benefits you’ll receive.
- First Order of Checks Free
- Free ATM Fees….On Any Bank!
- $ 5,000 AD&D Insurance
- No Direct Deposit Required
- Coming Soon- Free Online Banking!
Regular Checking
Unlimited checking writing, Debit card, Free access to telephone banking system and much more.
No monthly maintenance fee for accounts who maintain a balance above $500
Below $500……...............…….$5.75 per month
U-Save Club Checking
Free 1st order of checks, insurance, cashiers checks and debit card PLUS all the benefits of regular checking with no minimum balance to maintain.
Maintenance Fee ............... $5.50 per month
Interest Plus Checking
Your money earns interest with all the benefits of our regular checking account.
No monthly maintenance fee for accounts who maintain a balance above $2,500
If your account balance falls between
$1,500- $2,500 …........….. $4.00 per month
If your account balance is below
$1,500 ………............…...$7.00 per month
Money Market Checking Account
Access to your money while earning a higher interest rate than interest plus checking. No monthly maintenance fee if your account balance is above $3,000
Below $3,000................. $12.50 per month
Business Checking Account
No monthly maintenance fee for accounts who maintain a balance above $500
If your account balance falls
Below $500….........…. $10.50 per month
MISCELLANEOUS SERVICE FEES
ATM activity:
Hyden Citizens Bank (HCB) ATM..….. FREE
Non-HCB ATM……... $1.00 per withdrawal
ATM or Debit Card Replacement .....$15.00
Debit Card Inactivity ............. $1.00 per mo. (after 12 months of no activity)
Cashier Checks………..$5.00
Safe Deposit Boxes… Please call for availability and pricing
Traveler's Checks …… $1.00 per $100
Wire Transfer (customer only)….....$25.00
International wire transfer (customer only)….$50.00
Please refer to your Account information anddisclosures for complete product information. |
SAVINGS ACCOUNTS
Passbook Savings
Great way to save money with interest paid on your balance and easy withdrawals.
Minimum to open account…................…$50.00
No minimum balance to maintain
3 Free withdrawals per quarter after 3 ............….........…. $1.00 per withdrawal
Kid's Club Savings
Start learning to save early with our Kid's Club Savings account for ages 13 and under Minimum to open account………..........….$1.00
No minimum balance to maintain or
limits on withdrawals
SPECIAL HANDLING FEES
Automatic/Telephone Transfer Fee…..............…$5.00
Balance inquiry……..................….$1.00 per inquiry*
*After 3 inquiries within statement cycle
Caution on account…................... $25.00 per month
Check cashing (non-customer)……… $1.00 per $100
$3.00 minimum
Dormant Account Fee (after 1 year of no activity)
Checking: Balance under $1,000...$5.00 per mo.
Savings: Balance under $250...…. $3.00 per mo.
Legal processing……………........$100.00
(Garnishments, Levies, etc.)
Non-sufficient Funds (NSF) for Checking & Savings
Accounts ........................................ $22.75 per item
Overdraft Charge for Checking & Savings
Accounts .......................................... $22.75 per item
The overdraft charge may be accessed by the following transactions: Checks, ACH transactions, ATM, Debit Card Transactions, Savings Withdrawals and Point of Sale
Per Day Overdraft Charge…................ $1.75 per day
Photocopying/Reproduction
Per Statement……….....………..$3.00
Copies……….……..........….$0.25 per page
Counter Check.....................$0.10 per check
Fax……...………….......…..$10.00
Research/Checkbook balancing........$20.00 per hour
Returned Deposited item…..…........…$5.00 per item
Stop payment / renewal……….....…..$22.75 per item
Savings Passbook replacement….……$5.00 |
