CHECKING ACCOUNTS
Minimum opening deposit ...........$100.00

Free Checking Plus
No monthly fee plus these great benefits

  • First Order of Checks Free
  • Free ATM Fees….On Any Bank!
  • $ 5,000 AD&D Insurance

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

Fees/charges listed here are subject to change. Please contact us to ensure current 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 withdrawals.......…. $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

Billpay Non-usage monthly charge............$5.75

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 hr
Returned Deposited item…..…......$5.00 per item
Stop payment / renewal……….....$22.75 per item
Savings Passbook replacement….……$5.00

 

Please refer to your Account information anddisclosures for complete product information.

 

 

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