The following fees may be assessed against your account and the following
transaction limitations, if any, apply to your account.
| Service: | Fees: |
|---|---|
| Check Printing | Fee depends on style of check ordered - Prices |
| Debit Card Fee | $1.00* per month (waived if used at least four times for purchases per monthly statement cycle) |
| ATM Cardholder Transaction Fee | $.60* per withdrawal, deposit, or transfer at a terminal other than our own |
| ATM/SHAZAMChek Replacement Card | $10.00* (One replacement card per customer) |
| Automatic Transfer of Funds from Savings to Checking or Checking to Savings | $2.00* |
| Bank Money Orders | $2.00 plus $.50 per $100.00 above $500.00, with a maximum charge of $10.00 |
| Personal Money Orders | $2.50 each |
| Deposited Checks (and other items) returned unpaid | $1.00 |
| Overdraft (each debit or check paid) | $25.00 |
| Overdraft (maximum charge per day) | $175.00 |
| Nonsufficient Funds (NSF) item (each) | $25.00 |
| Nonsufficient Funds (NSF) Daily Maximum | $175.00 |
| Account Research | $25.00 per hour, $25.00 minimum charge |
| Account Balancing Assistance | $25.00 per hour, $25.00 minimum charge |
| Stop Payments (all items) | $10.00* |
| Photocopies | $.10 per copy |
| Bond Orders | $35.00 plus correspondent bank charge per item at purchase, $25.00 per year thereafter |
| Coin Counting (non-customers) | 5%, rounded to the nearest dollar |
| Paper Stock/Bond Certificate Redemptions | $20.00 |
| Domestic Wire Transfers | Outgoing $10.00, Incoming $5.00 |
| Foreign Wire Transfers | Outgoing $50.00 |
| Collection Items | $15.00 |
| Domestic Faxes | $1.00 per page |
| Visa Gift Cards | Fee varies depending on gift card amount |
| Visa Convenient TravelMoney Cards | $5.00 Fee, $4.95 reload fee, other fees may apply |
| Foreign Currency Orders | 3% of the amount ordered plus postage |
*An Iowa state and local sales tax will apply to this fee.
NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS
By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.
For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit: http://www.fdic.gov/deposit/deposits/unlimited/expiration.html
