|
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. |
|
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. |
