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Item
(applies to Deposit Accounts only)
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Description
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Fee
(in U.S. dollars)
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Statement Copy
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Fee for a duplicate paper copy of a periodic bank statement
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$5.00 per statement
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Check Copy
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Fee for a paper copy of the front and back of a cancelled check
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$2.50 per copy
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Overdraft Fee
(item paid)
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Fee that applies when an item paid on your behalf by the Bank causes an overdraft in your account
Applies to checks, preauthorized electronic withdrawals, Point of sale transactions and ATM withdrawals.
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$33.00 per item
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Return Item Fee
(item returned)
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Fee that applies when an item is presented for payment and there are not sufficient funds in your account to pay it; also known as a “bounced check” fee; charged at the Bank’s discretion
Applies to check and preauthorized withdrawals
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$33.00 per item
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Deposited Item Return
(Deposit Item Retur)
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Fee that applies when checks or other items deposited to your account are returned by the paying bank
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$10.00 per item
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Stop Pay Charge
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Fee that applies when you stop payment on a check you wrote or an ACH transfer you initiated before the item is paid
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$20.00 per request
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Check Reorder
(Preauthorized withdrawal by check vendor)
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Fee for additional checks that you may order
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No charge for first set. Additional checks will vary in cost based on style and quantity ordered
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ATM Surcharge
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Fee for withdrawals made at an ATM within the United States (“domestic”)
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A fee may be assessed by the ATM owner for use of the ATM.
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ATM Withdrawal
(EFT S/C ATM WITHDRAW)
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Fee for withdrawals made at an ATM inside of the United States not in the surcharge free network.
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$2.00
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International ATM
(EFT S/C ATM WITHDRAW)
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Fee for withdrawals made at an ATM outside of the United States (“international”)
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$2.50
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Debit Card Transaction Fee
(EFT S/C SVC CHG INTRNL TRAN)
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Fee for debit card use at an international ATM. The Bank does not charge a fee, however the card processor (MC, Visa) may assess the fee
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1% of the transaction amount
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Treasurers Check
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Fee for a check for funds guaranteed by the Bank
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$12.00 per check
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Legal Processing Fee
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Fee assessed if the Bank receives a lien, levy or legal request for your account on which it must act
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$175.00
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Writ Processing Fee
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Fee assessed if the Bank receives a court-ordered instruction related to your account that it must follow
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$175.00
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Outgoing Wire
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Fee for sending funds by wire transfer to another U.S. financial institution
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$25.00 per transfer
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Outgoing Wire
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Fee for sending funds by wire transfer to another U.S. financial institution that is intiated by TCM
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$12 per transfer
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International Wire
(INTL WIRE XFER)
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Fee for sending funds by wire transfer to a non-U.S. financial institution
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$45.00 per transfer
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Credit Card Funds Transfer Fee
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Fee for transferring funds from your credit card to your account
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2.50% of transaction amount
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Funds Transfer Fee
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Fee for receiving funds (“incoming”) or sending funds (“outgoing”) through the Automated Clearing House (ACH) network from/to another financial institution
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Incoming: No charge
Outgoing: $.50 per automated transfer or $5.00 for a non-automated transfer or paper transfer
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Research Fee
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Fee for researching items such as account reconcilements and other requests that require a significant amount of time
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$30.00 per hour
($15.00 minimum)
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Excessive Transaction Fee
(savings and money market accounts only)
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Fee for each transfer between accounts or to a third party that exceeds the permitted number of six (6) withdrawal transactions per statement cycle
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First occurrence: No charge
Second occurrence: $10.00
Third occurrence: $20.00
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Inactivity or Dormant Fee
(INA/Dormant)
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Fee if your account has no Customer-initiated activity for a certain period of time
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$5.00
Fee may be less depending on your state statute
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Card Replacement Fee
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Fee to replace your ATM or debit card if you report it lost or stolen. Waived for the first occurrence.
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$10.00
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Expedited Delivery
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Fee for overnight delivery of documents or ATM/debit card
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$50.00 per delivery
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Faxing Fee
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Fee to fax information you requested
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$2.00 per page
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IRA accounts – Annual fee
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Fee assessed annually to maintain your IRA account
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$20.00 per year
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IRA accounts – Maintenance Fee
(Safe Harbor Accounts only)
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Fee assessed when the first deposit is made to your account.
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$20.00
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IRA accounts – Account closing fee
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Fee to close your IRA within the first year
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$25.00
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Outgoing Rollover Fee
(HSAs only)
You will only be assessed the rollover fee or account closing fee.
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Fee to process the rollover of your Health Savings Account (HSA) to another financial institution
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$20.00
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Maintanence Fee
(ACCT MAINT FEE)
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This Fee may be paid by a third party-
check with your program administrator.
Account maintanence fee will be waived for the first three statement cycles after account opening,
and any statement cycle in which the account maintains a balance of (a) over $2,500, or (b) over $1,500, if an electronic deposit is credited to the account that statement cycle.
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$2.50
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Account Closing Fee
(HSAs only)
You will only be assessed the rollover fee or account closing fee.
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Fee if you close your Health Savings Account (HSA)
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$20.00
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Demand Account Closing Fee
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Fee to close your checking account if you decide to close within 90 days of account opening
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$20.00
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Mailed Paper Statement Fee*
(MAILED PAPER STMT)
(HSAs only)
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Mailed paper statement fee will be waived for the first three statement cycles after account opening. Fee can be avoided by enrolling for online statements
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Online:Free
Paper:$2.50 per month
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