Simply a better bank.TM

Truth-In-Savings Disclosure

Business Checking Account

Earnings Credit - This account features an earnings credit which is applied to reduce or eliminate some of the fees on the account. If the earnings credit exceeds those fees for any period, you will be assessed none of those fees but you will not be paid, carry forward or otherwise receive for any excess earnings credit. The fees to which the earnings credit is applied are listed below.

Earnings Credit Calculation - The earnings credit will be calculated by applying the periodic earnings credit rate to the average daily collected balance in the account for the period, less a 10% reserve requirement. At our discretion, the periodic earnings credit rate may change in accordance with market conditions. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of earnings credit on noncash deposits - Earnings credit begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Fees:
A monthly maintenance fee of $15.00 will be charged each statement cycle.
A check deposited fee of $.15 will be charged for each check deposited during a statement cycle.
A check paid fee of $.20 will be charged for each check paid during the statement cycle.
A deposit ticket fee of $.40 will be charged for each deposit ticket.
An ACH transaction fee of $.15 per item will be charged for each ACH transaction.

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Simply Small Business Checking Account

Fees: A $0.35/item charge will be assessed on any item above a combined amount of 350 checks deposited/paid, ACH debits/credits and deposit tickets per statement cycle.

An Earnings Credit will not apply to this account.

Note: Small Business Statements will be delivered electronically. If a paper statement is requested a fee of $8.00 per month will be assessed.

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Simply Cashback Checking Account

Eligibility Requirements

The SIMPLY CASHBACK Checking Account is available to Individual or Joint consumers.

Cash back rewards will be paid for each qualification cycle in which these three qualifications are met:

  • 10 (ten) Debit/Check card transactions are posted to the account and cleared (excluding ATM transactions)

  • 1 (one) Direct Deposit, Automatic Payment or Online Bill Payment transaction through FNCB Online Bill Pay is posted to the account and cleared

  • The monthly statement is received electronically via FNCB Online

Cash back rewards will be equal to 1% of your total debit/check card transactions up to a maximum of $500.00 in transactions per qualification cycle. The maximum monthly cash reward is $5.00.

Cash rewards will be credited to your account at the end of each qualification cycle. Transactions must be posted to your account prior to the cycle date to be considered eligible. Cash rewards are calculated for each qualification cycle. If you do not meet the eligibility requirements during a qualification cycle you will not earn cash rewards or receive ATM reimbursements for that qualification cycle but you will remain eligible for rewards in other qualification cycles.

"Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.

Statements
To be eligible for this account, you must receive your statement Electronically via FNCBOnline. Your statement will cycle on the 5th of every month at which time you will receive an e-mail notification from us.

ATM Fees
There are no ATM fees assessed by FNCB. If you have met your eligibility requirements for the month, we will reimburse all ATM Surcharge fees assessed by other domestic banks up to $7.50 per statement cycle.

Minimum balance to open account - You must deposit $100.00 to open this account.

Fees and Charges - There are no service charges or transaction fees associated with this account as long as there is activity on the account. Simply Cashback accounts that do not meet the required qualifications will be assessed a $5.00 Disqualification fee for the statement cycle.

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NOW Account

The interest rate for your account is .05% with an annual percentage yield of .05%.

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to avoid imposition of fees - NOW accounts will be subject to a service charge fee of $10.00 which will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Fees: Now Checking includes a monthly bank statement delivered electronically via FNCBOnline Statement. If a paper statement is requested, a fee of $5.00 per month will be assessed.

Note: Account holders must meet NOW account eligibility requirements.

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Senior Checking Account

The interest rate for your account is .05% with an annual percentage yield of .05%.

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to avoid imposition of fees - None

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

ATM Fees – The first ATM cash withdrawal at an ATM we do not own or operate is free. There is a charge of $2.00 for each additional withdrawal at any ATM we do not own or operate.

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Simply Free Checking

Minimum balance to avoid imposition of fees - None

Simply Free checking includes online banking services and a monthly bank statement delivered electronically via FNCB Online Statements. If a paper statement is requested in addition to the electronic statement, a fee of $5.00 per month will be assessed.

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Student Checking

Minimum balance to avoid imposition of fees - None

Student Checking includes online banking services and a monthly bank statement delivered electronically via FNCB Online Statements.

If a paper statement is requested instead of an electronic statement, a fee of $5.00 per month will be assessed.

Account is for students aged 14-25, or those still enrolled in school. Once the account holder is no longer enrolled in school, the account will be converted to a non-student checking account.

ATM Fees
We will reimburse all ATM Surcharge fees assessed by other domestic banks up to $15.00 per statement cycle.

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Workplace Banking

The interest rate for your account is .05% with an annual percentage yield of.05%.

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to avoid imposition of fees - None

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Fees: Workplace Banking includes a monthly bank statement delivered electronically via FNCBOnline Statement. If a paper statement is requested instead of an electronic statement, a fee of $5.00 per month will be assessed.

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Simply Money Market

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of Rate Changes -We may change the interest rate on your account at any time.

Determination of Rate - At our discretion, we may change the interest rate on your account.

Compounding and Crediting Frequency - - Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to avoid imposition of fees - A service charge fee of $12.50 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $2500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks)

Transaction limitations - Transfers from an Simply Money Market Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month. A violation occurs when the permissible number of transactions from a money market account is surpassed during a single calendar month. If more than six transactions are presented for payment, an excess transaction fee of $10.00 per item will be assessed.

Fees: Simply Money Market includes a monthly bank statement delivered electronically via FNCBOnline Statement. If a paper statement is requested, a fee of $5.00 per month will be assessed.

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Passbook Savings Account

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to avoid imposition of fees - A service charge fee of $3.00 will be imposed every month if the balance in the account falls below $300.00 any day of the month.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $300.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue on the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations:
Transfers from a Passbook Savings account to another account or to third parties by preauthorized, automatic, computer, or telephone transfer are limited to six per month. A violation occurs when the permissible number of transactions from a money market account is surpassed during a single calendar month. If more than six transactions are presented for payment, an excess transaction fee of $10.00 per item will be assessed.

Note: Passbook account holders are not eligible for an ATM or Debit Card.

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Simply Statement Savings Account

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of Rate Changes - We may change the interest rate on your account at any time.

Determination of Rate - At our discretion, we may change the interest rate on your account.

Compounding and Crediting Frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to avoid imposition of fees - A service charge fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $300 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations:
Transfers from a Simply Statement Savings Account to another account or to third parties by preauthorized, automatic, or telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per month. A violation occurs when the permissible number of transactions from a savings account is surpassed during a single calendar month. If more than six transactions are presented for payment, an excess transaction fee of $10.00 per item will be assessed.

Fees: Simply Statement Savings includes a monthly bank statement delivered electronically via FNCBOnline Statement. If a paper statement is requested, a fee of $5.00 per month will be assessed

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Youth Savings Account

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to avoid imposition of fees - None.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum collected balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue on the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations:
Transfers from a Statement or Passbook Savings account to another account or to another account or to third parties by preauthorized, automatic, computer, or telephone transfer are limited to six per month.

Note: This account is only available to children under twenty-one years of age.

Youth account holders are not eligible for an ATM or Debit Card.

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Tax/Vacation Club Account or Holiday Club Account

Rate Information

Compounding frequency - Interest will not be compounded.

Crediting frequency - Interest will be credited to your account at maturity.

Effect of closing an account - If you close your account before interest is credited; you will not receive the accrued interest.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations:
The minimum amount you can deposit is $5.00 per payment. Your principal balance cannot exceed $5,200.00.

If any withdrawal is made from this account before maturity, this account may be closed.

You cannot withdraw interest from your account before maturity.

Note: Fees could reduce earnings on the account.

Time requirements - Your account will mature annually in April or October of each year.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -

The penalty we may impose is:

  • $10.00.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.

Automatically renewable time account (Holiday/Tax Vacation Club) - This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity of your intention not to renew or you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any). If you prevent renewal, interest will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

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Certificate of Deposit

Rate Information - Your interest rate and annual percentage yield may change.

DISCLOSURE INFORMATION FOR AUTOMATICALLY RENEWABLE TIME DEPOSIT ACCOUNTS AND AUTOMATICALLY RENEWABLE ADD ON TIME DEPOSIT ACCOUNTS

AUTOMATICALLY RENEWABLE FIXED RATE TIME DEPOSIT (CD/IRA) DISCLOSURE INFORMATION:

Rate Information - You will be paid this rate until the maturity date unless the term is 18 months or greater and you elect to exercise the Escalator Option described.

Escalator Certificate of Deposit Option Plan (variable rate account): If applicable, this option applies to your fixed rate Certificate of Deposit with a term of 18 months or greater.
Your interest rate and annual percentage yield may change. Unless indicated elsewhere in this disclosure, we will not change the rate on your account during the term of the account but you have the option to exchange this interest rate once during the first term and once during each renewal. The new interest rate will be the interest rate we are then offering on any other time deposit of equal term to maturity as the original term of this account. This exchange will be at no cost to you. If you make an exchange, the maturity date of this account will remain the same as originally scheduled.

Minimum balance to open the account - You must deposit $1,000.00 to open a fixed rate account or $500.00 to open a 12-Month Add-On account.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Transaction limitations:
Principal and aggregate deposits cannot exceed $100,000.00 except for Jumbo CD-s. You may not make any deposits into your account before maturity except for the 12-Month Add-On CD. The minimum amount of each deposit for the 12-Month Add-On CD is $50.00 and $10.00 for an IRA. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.

Additional Disclosures - Please refer to the column at the right for additional disclosure information pertaining to your account.

AUTOMATICALLY RENEWABLE 18-MONTH VARIABLE RATE IRA CD DISCLOSURE INFORMATION:

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Minimum balance to open the account - You must deposit $50.00 to open this account.

Transaction limitations:
The minimum amount of any additional deposit is $10.00.
You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal.
You cannot withdraw interest from your account before maturity.

Additional Disclosures - Please refer to the column at the right for additional disclosure information pertaining to your account.

DISCLOSURE INFORMATION FOR BOTH FIXED RATE TIME DEPOSIT (CD/IRA) AND 18-MONTH VARIABLE RATE IRA:

Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity of your intention not to renew or you withdraw the funds in the account at maturity or within the 10 day grace period. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. Interest will be calculated on the same basis as during the original term.

You will have ten calendar days after maturity to withdraw the funds without a penalty.

Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Compounding & Crediting frequency - Interest for your account will be compounded quarterly and credited to your account quarterly.

Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Fees:
A transfer fee of $50.00 will be charged for each external IRA transfer.

Early withdrawal penalties: A penalty may be imposed for withdrawals before maturity.

If your account has an original maturity of less than six (6) months-: The fee we may impose is the greater of:

  • one (1) months- interest on the amount withdrawn subject to penalty.

  • seven (7) days' interest on the amount withdrawn subject to penalty, if the withdrawal is made within the first six (6) days after the deposit.

If your account has an original maturity of six (6) months- but less than twelve (12 ) months-: The fee we may impose is the greater of:

  • three (3) months- interest on the amount withdrawn subject to penalty.

  • seven (7) days' interest on the amount withdrawn subject to penalty, if the withdrawal is made within the first six (6) days after the deposit.

If your account has an original maturity of twelve (12) months- but less than three (3) years: The fee we may impose is the greater of:

  • twelve (12) months- interest on the amount withdrawn subject to penalty.

  • seven (7) days' interest on the amount withdrawn subject to penalty, if the withdrawal is made within the first six (6) days after the deposit.

If your account has an original maturity of three (3) years or more: The fee we may impose is the greater of:

  • eighteen (18) months- interest on the amount withdrawn subject to penalty.

  • seven (7) days' interest on the amount withdrawn subject to penalty, if the withdrawal is made within the first six (6) days after the deposit.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. ;

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COMMON FEATURES

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.


Account research $25.00 per hour -$25.00 minimum
ATM Fees
- For withdrawals at ATMs we do not own or operate
- Balance Inquiry at ATMs we do not own or operate
- Transfer at ATMs we do not own or operate

$2.00
$1.00
$1.00
ATM cash withdrawal limits:
- FNCB CheckCard
- FNCB Business CheckCard

$500.00 per day
$500.00 per day
Automatic Account Link transfer No Charge
Bearer Bond Fee $20.00
Cashier's checks (sold to customers only) $5.00
Certified checks $10.00
Check cashing fee (noncustomer) $5.00 per check
Check printing (fee depends on style and quantity of check ordered)
Checking and Savings accounts closed within six months of opening $10.00
Coin & currency service $1.00 per pack
Collection Items $30.00 per item
Counter Checks $1.00
Debit Card transaction dollar limit
- FNCB CheckCard
- FNCB Business CheckCard

$1,500.00 per day
$2,500.00 per day
Deposited checks (and other items) charged back
- Personal
- Business

$15.00
$20.00
Dormant account fee (Money Market and Savings accounts only) - An account is dormant if for three years there has been no customer initiated activity on the account. $5.00 per month
Escheat fee $100.00
Excess Transaction fee $10.00 per item above six (6)
Expedited Card Delivery $35.00
FNCBOnline Services:
- Personal
- Personal with Bill Payment
- Small Business
- Small Business with Bill Payment

FREE
FREE
FREE
FREE
FNCBOnline Fees:
- Bill Payment Check Copy Request
- Bill Payment Return Item
- Bill Payment Stop Payment Item
- Mobile Deposit Fee
- Reactivation Fee

$10.00 per check
$30.00 per item
$25.00 per item
$1.00
$5.95
FNCBusiness Online (includes Bill Payment & ACH)
- 10 Accounts or less
- 11 Accounts or more

$35.00 per month
$60.00 per month
FNCBusiness Online Fees:
- Bill Payment Check Copy Request
- Bill Payment Return Item
- Bill Payment Stop Payment Item
- Reactivation Fee

$10.00 per check
$25.00 per item
$25.00 per item
$9.95
Inactivity fee (checking accounts only excluding Money Market accounts - Includes Personal, Small Business and Business).
An account is considered inactive if the account has had no customer initiated activity for six months.
$5.00 per month
International Transaction fee 3% of transaction
IRA Closing fee $50.00
IRA transfer (external) $50.00
Legal processes (liens, levies, etc.) $100.00/action
Night Deposit Service $15.00 per bag
Money Orders (sold to customers only) $5.00
Online External Funds Transfer Fees
- Inbound - Standard Service
- Inbound - Premium Service
- Outbound - Standard Service (3 Free per month)
- Inbound - Outbound - Premium Service

Free
$20.00 each transfer
$10.00 each transfer greater than 3
$20.00 each transfer
Overdraft Fees:
- * Overdraft account transfer (per transfer)
- * Overdraft - each overdraft paid
- * Overdraft - maximum charge per day (personal accounts)
- * Overdraft - each overdraft returned
- * plus per day overdrawn (business accounts)
* These overdraft fees apply even if an overdraft is covered by the bank-s Bounce Protection program. Refer to the Bounce Protection Brochure for program details * The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal ATM withdrawal, or other electronic means.

$5.00
$35.00
$175.00
$35.00
$10.00
Paper Statement Fee $5.00 per month
Photocopies $1.00 per item
Postal Forwarding Fee $5.00
Redeposited check fee $10.00 per item
Replacement of ATM or Debit Card $5.00
Safe Deposit box Price varies with size
Safe Deposit box drilling Actual Cost
Safe Deposit box drilling and lock replacement Actual Cost
Safe Deposit box late fee (charged when 30 days past due) $10.00
Safe Deposit box replacement key $10.00
Simply Cashback Disqualification fee $5.00 per cycle
Statement Mailing to Additional Addresses $5.00
Stop payments (all items) $35.00 per item
Telephone transfer (If not done by Account-Link) $5.00 per transfer
Uncollected funds (business accounts) $35.00 per day
Wire Transfers - For existing customers only
- Domestic - Incoming
  Domestic - Outgoing
- International - Incoming
  International - Outgoing

$15.00
$25.00
$15.00
$50.00

We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See you notice or penalty for early withdrawal.

Additional checking Account Information

This Account consists of a checking sub-account and a savings sub-account. The Bank may periodically transfer funds between these two sub-accounts. If your account is a Plan on which interest is paid, your interest calculations will remain the same. The savings sub-account will be governed by the rules governing our other savings accounts. This process will not affect your available balance, the interest you may earn, FDIC insurance protection, on your monthly statement.

MEMBER FDIC

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