Insite National Bank

Additional Services & Fees

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)
SHAZAMChek Replacement Card $15.00* (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) $30.00
Overdraft (maximum charge per day) $210.00
Nonsufficient Funds (NSF) item (each) $30.00
Nonsufficient Funds (NSF) Daily Maximum $210.00
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*
Domestic Wire Transfers Outgoing $10.00, Incoming $5.00
Collection Items $15.00
Domestic Faxes $1.00 per page
Visa Gift Cards $5.00 Fee (other fees may apply)
Visa Convenient TravelMoney Cards $5.00 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