This disclosure contains fee information for some of the accounts we offer, and includes information on the following:
Business Deposit Products
Personal Deposit Products
Online Banking
Fees on Other Services
Wire Transfers
|
Business Deposit Products |
|
|
Charter Business
Basic |
Charter Business
Interest |
Charter
Business
Analysis |
Charter
Business
Savings |
Charter Business
Money
Market |
|
Minimum Opening
Deposit |
$100 |
$100 |
$100 |
$100 |
$100 |
|
Interest Earned
- Variable Rates |
|
Yes |
|
Yes |
Yes |
|
Tiered Rates |
|
Yes |
|
|
Yes |
|
Interest Paid On |
|
Daily Balance |
|
Daily Balance |
Daily Balance |
|
Compounding |
|
Daily |
|
Daily |
Daily |
|
Interest Paid |
|
Monthly |
|
Quarterly |
Monthly |
|
Minimum Balance
For No-Fee/
Service Charge |
$2,500 |
$2,500 |
Earnings
Allowance* |
$100 |
$2,500 |
|
Per Item Fee
(Debit) |
.15/Item>100 |
.15/Item>100 |
.15/Debit |
|
|
|
Per Item Fee
(Credit) |
.15/Item>100 |
.15/Item>100 |
|
|
|
|
Per Deposited Items |
.15/Item>100 |
.15/Item>100 |
|
|
|
|
Local |
|
|
.06/Item |
|
|
|
Non-local |
|
|
.08/Item |
|
|
|
Per Deposit Fee |
|
|
.15/Item |
|
|
|
Monthly Service
Charge |
$10/Month |
$10/Month |
$12/Month |
$3/Quarter |
$10/Month |
|
Cash deposited/
withdrawn
|
.70/$1000 |
.70/$1000 |
.70/$1000 |
|
|
*Earnings allowance on collected deposit balances used to offset fees.
|
Personal Deposit Products |
|
|
Charter
Checking |
Charter
Interest
Checking |
Charter
Investor
Checking |
Charter Money
Market |
Charter
Savings |
|
Minimum Opening
Deposit |
$100 |
$100 |
$25,000 |
$100 |
$100 |
|
Interest Earned
-Variable Rates |
No |
Yes |
Yes |
Yes |
Yes |
|
Tiered Rates |
No |
Yes |
Yes |
Yes |
Yes |
|
Interest Paid On |
N/A |
Daily Balance |
Daily Balance |
Daily Balance |
Daily Balance |
|
Compounding |
N/A |
Daily |
Daily |
Daily |
Daily |
|
Interest Paid |
N/A |
Monthly |
Monthly |
Monthly |
Quarterly |
|
Minimum Balance
For No-Fee/
Service Charge |
Free |
$1,000 |
$25,000 |
$2,500 |
$100 |
|
Monthly Service
Charge |
Free |
$10 /Month |
$25 /Month |
$10 /Month |
$3 /Quarter |
|
Online Banking |
|
|
Monthly Charge |
Per Item Charge |
|
Business Online Banking |
Free |
|
|
Business Online Banking with Bill Pay |
$5.95 |
$.40 over 15 items |
|
Business Online Banking with Cash Manager |
$25.00 |
See Schedule of Fees |
|
Business Online Banking with Cash Manager & Bill Pay |
$30.95 |
.40 over 15 items |
|
Personal Online Banking |
Free |
|
|
Personal Online Banking with Bill Pay |
Free |
|
Fees on Other Services
|
Miscellaneous Fees |
|
Item |
Fees & Charges |
|
Account Research |
$25 per hour |
|
Check Non-Safekeeping (checks returned with statement) |
$4.50 per statement |
|
Check Image Statements (check images returned with statement) |
Free |
|
Check Copy (for Safekeeping customers) |
12 free per year |
|
Check Copy (for Non-Safekeeping customers) |
$1 per check |
|
Statement Copy |
$4 per statement |
|
Cashier Check |
$5 |
|
Travelers Cheques |
$0.15 per $100 |
|
Travelers Cheques - 2 signers |
$0.50 per $100 |
|
Legal Levies |
$50 per account |
|
Legal Attachments |
$50 per account |
|
Legal Liens |
$50 per account |
|
NSF Fee |
$22 per item |
|
Interest on Overdrawn Accounts |
Prime + 7.00% (annual rate applied monthly) |
|
Chargeback item |
$7 |
|
Stop Payment |
$22 per item |
|
Collections - Domestic |
$15 |
|
Collections - International |
$25 |
|
Currency Purchases |
$0.12 per $100 |
|
Rolled Coin Purchase |
$0.12 per roll |
|
Rolled Coin Deposit |
$0.12 per $100 |
|
Safe Deposit Box Drill |
$250 |
|
Safe Deposit Box - late fee |
$10 |
|
Safe Deposit Box - key replacement |
$25 |
|
Zero Account Balance (ZBA) |
Free |
|
Wire Transfers |
|
Item |
Fees & Charges |
|
Incoming (domestic and international) |
$12 |
|
Domestic outgoing |
$20 |
|
International outgoing |
$35 |
|
Online Banking incoming (dom. and int'l) |
$10 |
|
Online Banking domestic outgoing |
$15 |
|
Online banking international outgoing
(on select international wires) |
$25 | | 
