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BANK FEE SCHEDULE                                         Effective December 6, 2013

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, Image or Photocopies $  0.50 per page
Fax fee $  1.00 per page
Garnishments, Executions, Levies $50.00

CONVENIENCE SERVICES

Money Order (face value up to $500) $ 3.00 each
Bank Check $ 4.00 each
Cashier Check $ 5.00 each
Check cashing non-customer 3% of check with $25.00 minimum
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 $95.00 / transfer

ONLINE BANKING

Monthly Service Fee - Personal Online Banking Free
Monthly Service Fee - Business Online Banking Free

Cash Management

$25.00 

NIGHT DROP DEPOSIT

Night drop deposits are processed 8:30AM weekdays
Night drop key (refunded upon key return) $ 5.00
Purchase lock bag with 2 keys $16.00
Purchase zipper bag $ 5.00

LOAN SERVICING

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 3 years $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.

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

Idaho state law requires that any checking, savings, matured time deposit, dividend checks, safe deposit boxes, cashier checks, official checks, and time deposit interest checks must be delivered to the state if, after 5 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.  Bank money orders follow the same law, but they are reported to the state after 7 years of dormancy.

Washington state law requires that any checking, savings, matured time deposit, cashier checks, and official checks must be delivered to the state if, after 3 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.  Bank money orders follow the same law, but they are reported to the state after 5 years of dormancy.

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.