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Fee Schedule

 

  As of November 1, 2016

Printable PDF 

Personal Accounts

Simply Checking
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee: $0.00

Monthly Fee No Charge

Student Checking
Minimum Opening Balance: $50.00
Minimum Daily Balance to Avoid Monthly Fee: $0.00

Monthly Fee No Charge

First Choice Checking
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee: $5,000.00
Minimum Balance to Earn Premium (Tier 1) Interest Rate:                             One direct deposit or 10 debit card transactions per statement cycle

Monthly Fee  

$15.00

Chairman’s Club Checking
Minimum Opening Balance: $1,000.00
Minimum Daily Balance to Avoid Monthly Fee: $1,000.00
Minimum Balance to Earn Premium Interest Rate: $1,000.00

Monthly Fee

$20.00

President’s Club Checking
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee:
$20,000.00 in combined Cardinal accounts
Minimum Balance to Earn Market Interest Rate: $2,500.00

Monthly Fee

 $25.00

Interest Checking
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee: $1,000.00 or
$5,000 in a linked Money Market or Statement Savings account

Monthly Fee

$10.00

Golden 55 Checking
Minimum Opening Balance: $50.00
Minimum Daily Balance to Avoid Monthly Fee: $0.00

Monthly Fee

No Charge

Simply Savings 1, 2
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Fee: $100.00
$5.00 per withdrawal after the first 3 per month

Monthly Fee

$3.00

Statement Savings 2
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee: $100.00
$2.00 per withdrawal after the first 3 per month

Monthly Fee

$3.00

First Choice Savings
MiMinimum Opening Balance: $50.00
Minimum Daily Balance to Avoid Fee: $500.00
$5.00 per withdrawal after the first 3 per month  

Monthly Fee

$10.00 

Kid’s Club Savings 2
Minimum Opening Balance: $10.00
Minimum Daily Balance to Avoid Monthly Fee: $0.00
Account holders must be aged 17 and younger

Monthly Fee

No Charge

Money Market Savings
Minimum Opening Balance: $2,500.00
Minimum Daily Balance to Avoid Monthly Fee: $2,500.00
Minimum Balance to Earn Market Interest: $2,500.00
$10.00 per withdrawal in excess of the legal limit 2

Monthly Fee

 $10.00

Monster Money Market 3
Minimum Opening Balance: $25,000.00
Minimum Daily Balance to Avoid Monthly Fee: $25,000.00
Minimum Balance to Earn Market Interest Rate:$25,000.00
$10.00 per withdrawal in excess of the legal limit 2

Monthly Fee

 $10.00

 

Business Accounts

Simply Business Checking
Minimum Opening Balance: $100.00
Minimum Balance Required: $0.00
First 500 Items: No Charge
Over 500 Items: $0.25 each

Monthly Fee
No Charge

Unlimited Business Checking
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee: $2,500.00
 Unlimited Items/Transactions: No Charge
(paid checks, items deposited, deposit tickets, ACH credit/debits received)

Monthly Fee

$15.00 

Chairman’s Club Checking
Minimum Opening Balance: $1,000.00
Minimum Daily Balance to Avoid Monthly Fee: $2,500.00
Over 250 Items: $0.25 each
Minimum Balance to Earn Premium Interest Rate: $1,000.00

Monthly Fee

$20.00

Commercial Checking4
Minimum Opening Balance: $100.00
Checks Paid: $0.15/each
Deposits: $0.30/each
Deposited Items: $0.10/each

Monthly Fee
$12.00

Business Interest Checking
Minimum Opening Balance: $100.00
Minimum Balance to Avoid Monthly Fee: $1,500.00
Over 250 Items: $0.25 each

Monthly Fee
$12.00

Trade Association Checking
Minimum Opening Balance: $25,000.00
Minimum Balance to Avoid Monthly Fee: $25,000.00
Over 250 Items: $0.25 each 

Monthly Fee
$25.00 

IOLTA
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee: $1,000.00

Monthly Fee
$12.00

Business Savings 2
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Monthly Fee: $100.00
$2.00 per withdrawal after the first 3 per month

Monthly Fee
$3.00

Business Money Market Savings
Minimum Opening Balance: $2,500.00
Minimum Daily Balance to Avoid Monthly Fee: $2,500.00
$10.00 per withdrawal in excess of the legal limit 2
Minimum Balance to Earn Interest: $2,500.00

Monthly Fee
$10.00

Business Simply Savings 1, 2 
Minimum Opening Balance: $100.00
Minimum Daily Balance to Avoid Fee: $100.00
$5.00 per withdrawal after the first 3 per month

Monthly Fee
$3.00

Business Monster Money Market
Minimum Opening Balance: $25,000.00
Minimum Daily Balance to Avoid Monthly Fee: $25,000.00
Minimum Balance to Earn Premium Interest Rate:$25,000.00
$10.00 per withdrawal in excess of the legal limit 2

Monthly Fee
$10.00

Online Banking and Mobile Banking

Personal Online Banking & Bill Pay

No Charge

Mobile Banking 5 

No Charge 

External Transfers

Business Monster Money Market
Minimum Opening Balance: $25,000.00
Minimum   
Inbound Transfers
Standard 7 and Express 8 Delivery 
No Charge
Outbound Transfers
Standard 7 Delivery 
No Charge
Outbound Transfers
Express 8 Delivery 
$10.00
Popmoney® (Pay Other People)
Standard 7 Delivery   No Charge
Express 8 Delivery   $2.00
Request Money $2.00

Business Online Banking & Bill Pay

No Charge

Electronic Banking

ATM Transactions
Cardinal ATMs
Non-Cardinal ATMs (Surcharge may apply. No ATM surcharge fee using NYCE SUM®, MoneyPass® or InterCept® ATMs)

POS fee for ATM Card Use (per purchase)

ATM/ Visa® CheckCard Replacement
Expedited Card or PIN Replacement (2-day)
Emergency Card or PIN Replacement (Overnight)



No Charge No Charge

No Charge

$5.00
$25.00
$70.00

Account Services 4

Account Research
Per Hour ($50 Minimum)
Per Page
Per Statement


$50.00
$0.25
$7.00

Non-Sufficient Funds/Overdraft
Per Item
Overdraft Amount of $10.00 or less


$34.00
No Fee

Daily Overdraft Fee
Each day account has a negative balance

$5.00

Overdraft Protection (Safeguard Line of Credit)
Annual Fee 
Per Transfer

Overdraft Protection (from a savings account)
Per transfer


$10.00
$7.50


$7.50

Cashed Item Chargeback

$10.00

Deposited Item Chargeback

$10.00

Collection Items
Domestic
Foreign (plus any correspondent bank fees)


$10.00
$35.00

Deposit Verification

$15.00

Stop Payment 6

$30.00

Inactive Account Fee

$5.007

Account Closing
Within 6 months of opening

$25.00

Other Service Fees

Cashier’s Check 6
Account Holders Only


$8.00

Bond Redemption

$20.00

Bond Coupon Collection

$10.00

Currency, per strap

$0.50

Rolled Coin
Per Roll


$0.10

Money Room/Armored Car Pick-Up
Per Pick-Up

Ask For Details

Mobile Messenger Service
Set-up Fee (includes two locked bags)
Per Trip


$50.00
$12.00

Night Deposit Drop
Processing Per Bag


$2.00

Garnishments, Levies and Liens

$100.00

 

 

Statements & Checks

Duplicate Statement

$7.00

Duplicate Check Image

$7.00

Undeliverable Statement (per month)

$2.00

 

Wire Transfers—Domestic

  Incoming

No Charge

  Outgoing

$20.00

Wire Transfers—International

  Incoming

$15.00

  Outgoing

$45.00

 

 

Safe Deposit Box

Annual Rent

            2x5

$30.00

            3x5 6

$45.00

            3x10

$75.00

            5x5

$65.00

            5x10

$90.00

            10x10

$155.00

Not all sizes are available at every location.

 
 

1Checking, Visa CheckCard and Online Banking & Bill Pay are required to have this account.

2Federal regulation and our deposit agreement limit the number of pre-authorized withdrawals and/or transfers that may be made from a savings or money market account to six each monthly statement cycle. 

3Checking account required.

4Earnings credit may reduce fees on all Commercial Checking account services. 

5Service requires mobile Internet access from your cellular phone, PDA or other wireless device. This service is available across most of the major wireless carriers.

 6Free for Chairman’s Club and President’s Club Checking Account holders.

7An Account will become inactive after 36 months of no account activity.  Inactive is defined as no debit or credit transactions (excluding interest and fees).

 

 

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