Schedule of Fees
Effective July 25, 2011
Minimum Balance Fees
| Passbook Savings: $250 minimum balance | $3.00 per month |
| Statement Savings: $250 minimum balance | $3.00 per month |
| Interest Checking: $500 minimum balance | $7.50 per month |
| Image Checking: $1000 minimum balance | $8.00 per month |
| Premium Checking: $2500 minimum balance | $15.00 per month |
| Direct Plus Checking: No Minimum Balance | No Monthly Fee
(Must have Direct Deposit) |
| 50 Plus Checking: No Minimum Balance | No Monthly Fee
(Must be age 50 or better) |
| Hometown Hero: $1,000 Minimum Balance | No Monthly fee
(Available to active or retired military, police, or firefighters) |
| Money Market Checking & Savings: $2,500 Minimum balance | $5.00/month |
Early Withdrawal Penalties
Certificates of Deposit
Interest penalties will be charged on withdrawal of funds from certificates of deposit prior to the maturity date as specified in the certificate passbook.
Club Accounts
If you close the account before interest is credited you will lose the accrued interest.
Inquiry at Foreign Terminal
(Does not include ATM Surcharge) | $ 1.25 |
Deposit at Foreign Terminal
(Does not include ATM Surcharge) | $ 1.25 |
Withdrawal at Foreign Terminal
(Does not include ATM Surcharge) | $ 1.25 |
| Transaction at Hometown Bank Terminal | No Fee |
| POS (Point of Sale) Transaction | $ 0.75 |
| Lost Card Fee | $ 5.00 |
Miscellaneous Fees
Safe Deposit Boxes
| 3 x 5 | $ 30.00 |
| 5 x 5 | $ 45.00 |
| 3 x 10 | $ 65.00 |
| 5 x 10 | $ 75.00 |
| Key Replacement | $ 25.00 |
| Lock Box Break-In | $125.00 |
| Late Rental Fee (after 30 days) | $ 5.00 |
Specific Checking Fees
Insufficient Funds
| $32.00 per item |
| Unavailable Funds | $32.00 per item |
| Stop Payment | $30.00 |
| Microfilm Copy of Check | $ 5.00 |
| Instant Statement | $ 5.00 |
| Copy of Statement | $ 5.00 |
| Counter Checks | $ 3.00/page of 3 |
| Check Printing Charge | Varies |
Corporate Business Checking
| Monthly Service Charge | $5.00* |
| Per Deposit | $ 0.15 |
| Per Checks Paid(1st 50 Checks paid free) | $ 0.15 after 1st 50 |
| Per Item Deposited(1st 50 Deposited items free) | $ 0.15 after 1st 50 |
| *an annual earnings credit of .10 on the average daily collected balance will be applied against any monthly fees due, reducing or eliminating fees. |
Bottom Line Business Checking
| Monthly Service Charge | $10.00 |
| Other Business Checking Fees | |
| Night Deposit Bag Rental | $20.00 |
| Lost Bag Fee | $20.00 |
| Lost Bag Key | $ 5.00 |
| Purchase of rolled coin | $ .10/roll |
| Purchase of strapped currency | $ .30/strap |
Special Services
| Travelers Cheques | $ 1.00 per $100 |
| Travelers Cheques for two | $ 1.50 per $100 |
| Money Orders | $ 3.00 |
| Teller Checks | $ 6.00 |
| Returned Deposited Item | $ 20.00 |
| Returned Checks (payments) | $ 30.00 |
| Photocopies (per page) | $ 0.75 |
| Charge for Check Protest | $ 30.00 |
| Domestic Check Collection | $ 35.00 |
| Foreign Check Collection | $ 20.00 |
| Charge for FAX Usage | $ 3.00 per page |
| Charge for Certified Check | $ 15.00 |
| Wire Transfer—outgoing (Domestic) | $ 25.00 |
| Wire Transfer—outgoing (Foreign) | $ 50.00 |
| Wire Transfer—incoming | $ 10.00 |
| Legal Papers Served | $100.00 |
| Gift Check | $ 1.00 |
| Research Fee | $ 30.00 per hour |
| Savings Overdraft | $ 7.50 per transfer |
| Abandoned Property Fee | $ 50.00 |
| Notary Fee (non-customer) | $ 2.00 per item |
| Signature Guarantee Fee (non-medallion) | $ 1.00 |
| e-Bank Home Banking & Bill Payment | $ 4.99/month (Totally Free Checking) |
| e-Bank (over 45 payees) | $ .50 per payee per mo. |
| e-Bank Home Banking (consumer accounts only) | No Fee |
| e-Bank Stop Payment | $ 25.00 |
| e-Bank Copy of a Check | $ 25.00 |
| e-Bank Home Banking with Quicken functionality | $2.99 per month |
| Bill payment with Quicken functionality | $6.99 per month |
| Money HQ $4.95 | (billed by 3rd party) |
| Copy of 1099/1098 | $ 5.00 |
| Coupon Envelope | $ 15.00 per envelope |
| Lost Passbook | $ 10.00 |
| Charge for Undeliverable Statement | $ 10.00 |
| American Express Gift Checks | $2.50 |
| Medallion Stamp Guarantee | $5.00 |
| Visa® Gift Card | $4.95 |
| Early Close-out fee (within 180 days of opening) | $25.00 |
| Reg D excess transaction fee | $15.00/per item |