About Us
Schedule Of Service Fees
Effective October 3, 2011
Checking Services
Banclub® Plus Checking Account
No Minimum Balance
Unlimited Check Writing
Banclub Checks are FREE
Free Check Image Statements
Free AD & D Insurance
Free Online Banking and Bill Pay*
Monthly Membership fee is $7 individual; $8 joint and $9 family
Free Date Reminder Service and More
Rx Advantage Prescription Drug Program
Coast to Coast Vision Plan
Discounted Visa Gift Cards
The following fees are waived or modified for Banclub accounts.All other fees in schedule apply:
| Safe Deposit Box |
$5.00 annual credit on box rent |
Free & Easy Checking Account
No Minimum Balance Required
No Monthly Service Fee
Unlimited Check Writing
Simplified Monthly Statement
Advantage Checking Account
Unlimited Check Writing
Free Check Image Statements
Free Email Statements available upon request
Maintain $500 minimum or pay $7.50 per month
Senior Advantage: No monthly service fee & free wallet checks beginning at the young age of 50!
Premium Advantage Checking Account
Earned Tiered Interest on Entire Balance*
Unlimited Check Writing
1 box of Wallet Style Checks are Free per year
Free Check Image Statements
Free Email Statements available upon request
Maintain $1,000 minimum balance of pay $10 per month
Small Business Checking Account
Maintain $500 minimum balance or pay $10
Up to 200 transactions* included per month
Excess transactions are $.25 per item
Up to $15,000 coin and currency handling monthly
Free Check Image Statements
Free Email Statements available upon request
Advantage Business Checking Account
Maintain $250 minimum balance of pay $15
Up to 500 transactions* included per month
Excess transactions are $.25 per item
Up to $25,000 coin and currency handling monthly
Free Check Image Statements
Free Email Statements available upon request
Business Analysis Checking Account
Earnings credit is applied to account balances to offset service charges.
Free Check Image Statements
Free Email Statements available upon request*
Transactions include deposit forms, checks deposited, ACH debits and
credits and checks drawn against your account.
| Online Banking* |
No Monthly Fee |
| Bill Pay* |
No Monthly Fee |
| (minimum 5 transactions per month required) |
| Bill Pay Insufficient Funds Fee |
$25.00 |
| Bill Pay Stop Payment Fee |
$20.00 |
| Cash Management Services (Business Accounts)* |
| Setup Fee |
$250.00 |
| Monthly Service Fee |
$ 30.00 |
| *Available upon approval |
Telebank Line 1-877-965-1116
Money Market Advantage Account
Savings account with check writing privileges
Free check image or email statements
Maintain $1000 minimum balance or pay $10 per month
Withdrawal limitations may apply.
Savings Services
Maximum Advantage Savings Account
Convenient and easy funds transfers
Interest paid monthly-Statement Savings
6 withdrawals per month or $2.00 per withdrawal
Maintain $100 minimum or pay $3.00 per month
| Dormant Service Fee |
$10.00 per month |
(Account is dormant if not active for a period of one year. The fee will be added if account is dormant and has a balance of less than $100.00)
Withdrawal limitations may apply.
Other Service Fees
Checking Services
| Insufficient Funds:"Overdrafts" |
| Paid Item Fee |
$28.00 per item |
| Return Item Fee |
$28.00 per item |
| (Fee applies to overdrafts created by check, in-person withdrawals, ACH activity, or other electronic means, as applicable when the Ledger Balance of your account cannot cover the items presented for payment. Overdraft fees do not apply to ATM and Visa Debit Card activity.) |
|
UCF Paid Item Fee
|
$28.00 per item
|
|
UCF Return Item Fee
|
$28.00 per item
|
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(Uncollected Funds) UCF fee applies to overdrafts credited by check, in-person withdrawals, ACH activity or other electronic means, as applicable when the Ledger Balance in your account can cover the items presented for payment, but due to Holds, the Available Balance (Ledger Balance minus Holds) is insufficient. Overdraft fees do not apply to ATM and Visa Debit Card activity.
|
| Overdrawn Accounts: (Negative Balance) |
$5.00 daily fee |
| (Accounts that are overdrawn in excess of 5 days or more will be charged a per day charge starting on day number 6 and thereafter until the overdraft is eliminated.) |
| (Account is dormant if not active for a period of six months. The fee will be added if account is dormant and has a balance less than $500.00) |
| Dormant Service Fee |
$10.00 per month |
| Stop Payment |
$28.00 per item |
| Printed Check Charge |
Price Varies with Check Style |
| ATM Withdrawals |
$1.50 per item-Foreign Transactions Only |
| ATM Card Replacement Charge |
$10.00 per card |
| Account Closing Fee |
$10.00 for accounts closing within the first 6 months of account opening. |
| Return Deposit Item Fee |
$5.00 per item (Fee applies to checks that were deposited to account and were subsequently charged back to the account for non-payment.) |
| Overdraft Sweep Fee |
$10.00 per sweep |
Bookkeeping Services
| Research |
$20.00 per hour, plus $1.00 per reproduction |
| Account Reconcilement |
$20.00 per item |
| Special Statement |
$5.00 per statement |
| Activity Statement |
$1.00 per statement |
Teller Services
| Cashier's Checks |
$5.00 per check |
Money Orders (available in our
Grayson County locations) |
$5.00 per money order |
Collection Services
| Coupon Collection |
$10.00 per envelope |
| Bond Redemption |
$15.00 per issue |
| Check Collection |
| Customer |
Charges as Incurred |
| Incoming |
$5.00 per check |
| Outgoing |
$10.00 per check |
| Attachments, Garnishments, & Levy |
$10.00 per item |
| Foreign currency exchange |
Charges As Incurred (customers only) |
Wire Services
| Customer |
| Incoming Wires |
$5.00 per wire |
| Outgoing Wires |
$15.00 per wire |
| International Wires |
$40.00 per wire |
| Non-Customers |
| Incoming Wires |
$10.00 per wire |
Night Deposit Services
| Lock Bags |
First Bag Free |
| Additional Bags |
$15.00 each |
| Replacement Keys |
$1.00 each |
| Zipper Bags |
First Bag Free |
| Additional Bags |
$5.00 each |
Safe Deposit Boxes
| 3 x 5 Boxes |
$15.00 Annually |
| 5 x 5 Boxes |
$20.00 Annually |
| 3 x 11 Boxes |
$25.00 Annually |
| 5 x 10 Boxes |
$30.00 Annually |
| 10 x 10 Boxes |
$60.00 Annually |
| Drilling & Replacement Lock |
$200.00 per box |
| Replacing Keys |
$15.00 per Key |
Other Services
| Notary Service |
$5.00 |
| Photocopies |
$.25 per copy |
Withdrawal Limitations
Money Market Advantage:
| Six (6) withdrawals |
No Charge |
| After Sixth Withdrawal |
$5.00 per withdrawal |
We are required by law to limit the number or pre-authorized transfers of funds from this account to a maximum of six per month. Telephone transfers and Online Transfers you make from this account to another account in your name in the institution will be included in the six permitted transfers.
Maximum Advantage Savings Account
We are required by law to limit the number or pre-authorized transfers of funds from this account to a maximum of six per month. Telephone transfers and Online Transfers you make from this account to another account in your name in the institution will be included in the six permitted transfers.
Equal Housing Opportunity
We do Business in Accordance With the Fair Housing Act
(The Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988)
IT IS ILLEGAL TO DISCRIMINATE AGAINST ANY PERSON BECAUSE OF RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS (HAVING ONE OR MORE CHILDREN), OR NATIONAL ORIGIN
- In the sale or rental of housing or residential lots
- In advertising the sale or rental of housing
- In the financing of housing
- In the appraisal of housing
- In the provision of real estate brokerage services
- Blockbusing is also illegal
Anyone who feels he or she has been discriminated against should send a complaint to:
U.S. Dept. of Housing & Urban Development
Asst. Secretary for Fair Housing and Equal Opportunity,
Washington, DC 20410
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