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* |
| 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, $3.95 reload fee, other fees may apply |
*An Iowa state and local sales tax will apply to this fee.
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS:
In accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act, from Dec. 31, 2010 through Dec. 31, 2012, all funds in “noninterest-bearing transaction accounts” are insured in full by the Federal Deposit Insurance Corporation. This unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest bearing transaction account” includes a traditional checking account (or demand deposit account) on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does NOT include any transaction account that may earn interest, such as a negotiable order of withdrawal (“NOW”) account, money market deposit accounts, even if checks may be drawn on the account. The temporary full insurance coverage of “noninterest bearing transaction accounts” expires on Dec. 31, 2012. After Dec. 31, 2012 funds in noninterest bearing transactions account will be insured under the FDIC’s general deposit insurance rules, subject to the Standard Maximum Deposit Insurance Amount of $250,000.
