| CHECKING
SERVICES |
| Check Printing |
Fee depends on style of check
ordered |
| Non-Sufficient
Funds Item (NSF) |
$30.00 per item |
| Stop Payment
Order |
$30.00 |
| Check Alert /
Lost Checks |
$10.00 |
| Item Deposited
and Returned |
$ 5.00 per item |
| Account
Research/Checkbook Balancing |
$25.00 per hour |
| Statement or
Transcript Copy |
$ 1.00 |
| Check Copy (up
to 5 checks plus research fee listed above) |
$ 5.00 |
| Garnishments,
Executions, Levies |
$35.00 |
| Money Market
Excessive Transaction Fee |
$ 5.00 each |
| Overdraft Daily
Fee |
$ 2.00 |
| Overdraft
Interest Rate |
18.00% |
| CONVENIENCE
SERVICES |
| Money Order
(face value up to $500) |
$ 3.00 each |
| Bank Check |
$ 4.00 each |
| Cashier Check |
$ 5.00 each |
| Foreign Drafts |
$40.00 |
| Check cashing
non-customer |
3% of check with $25.00 minimum |
| Fax fee per
page |
$ 1.00 |
| Photocopies per
page |
$ .50 |
| Items sent for
collection (incoming/outgoing) |
|
Domestic |
$15.00 plus actual costs (ie.
postage, insurance) |
|
International |
$35.00 plus actual costs |
|
Coupon / Bonds Collection |
|
|
Per coupon |
$ 7.50 |
|
Per returned unpaid coupon |
$20.00 |
|
Per bond |
$30.00 |
| Verification of
Deposit |
$10.00 |
| VISA /
MasterCard Cash Advance |
$10.00 |
| Wire Transfers |
|
|
Incoming Customer |
$10.00 / transfer |
|
Incoming Non-Customer |
$25.00 / transfer |
|
Domestic Outgoing |
$15.00 / transfer |
|
Foreign Outgoing |
$45.00 / transfer |
| ONLINE
BANKING / VISA ATM CHECK CARD |
| PIN Replacement |
$ 2.00 |
| VISA ATM/ check
card replacement |
$ 2.00 |
| Monthly Service
Fee - Personal Online Banking |
Free |
| Monthly Service
Fee - Business Online Banking |
Free |
|
Cash Management |
$10.00 |
| NIGHT
DROP DEPOSIT |
| Night drop
deposits are processed each morning at 8:30 a.m. under dual control. |
| Night drop key
(refunded upon key return) |
$ 5.00 |
| Purchase lock
bag with 2 keys |
$16.00 |
| Purchase
zipper bag |
$ 5.00 |
| LOAN
SERVICING |
| Replacement
Coupons |
$ 5.00 |
| Payoff Quote
Fax |
$10.00 |
| Delinquent Loan
Property Inspection |
$25.00 |
|
DORMANT ACCOUNT SERVICE CHARGE |
| Checking
account with no activity for 1 year |
$10.00 / month |
| Savings account
with no activity for 1 year |
$10.00 / month |
| MERCHANT
CHARGE CARD PROCESSING |
| Terminal &
Printer Equipment rentals - Vary depending on model selected.
Items sent electronically will be credited to your business account
generally within 2 business days. |
| Annual Fee |
$30.00 |
| CANADIAN
ITEMS |
| Canadian funds
items will be discounted at the prevailing "buy" rate on the
day of the transaction plus a handling fee of $10.00 per item.
Subsequent charge backs to you will be at the prevailing
"sell" rate on the day the item is charged back to your
account plus a handling fee of $14.00 |
| ESCHEAT
OF UNCLAIMED PROPERTY |
| State law requires
that any checking, savings, mature time deposit, official checks
or
dividend checks must be delivered to the state if, after seven years,
the
depositor has made no deposit or withdrawal to or from the account
and Twin River National Bank has had no other known contact with the owner of the funds. |
| GOVERNMENT
CHECK CASHING POLICY |
| Twin
River National Bank will cash at
no charge to customers or non-customers, checks issued by the U.S.
Government and the States of Idaho and Washington, for the original payee only. We require and document the payee's valid photo
identification. We
reserve the right to refuse to cash checks
without proper documentation or any other reason management feels is
necessary to protect the bank's assets. |