Disclosure Statement

Effective July 1, 2011

Common Features
Limits and fees: The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Shazam Check Card

$1.00 per month

(This fee does not apply to Premium, Value, Leisure or

To Go accounts)

ATM cash withdrawal (at our ATM)

$.50

At ATMs we do not own or operate

$.75

ATM dollar limit

$200.00 per 24-hour period

Frequency and Dollar limitations: You may not exceed $1000 in transactions per day, $1500 in a three-day period, including ATM withdrawals. (This may vary depending on qualifying credit)

ATM balance inquiry (per inquiry)

$.50

At ATMs we do not own or operate

$.75

Iowa state sales tax applies only to ATM transactions which involve checking accounts

Replace lost ATM/Debit card

$10.00

Automatic transfer of funds between accounts

$1.00

Check printing

fee depends on style of check ordered

Money order (max. 500/ck)

$3.00

Cashiers checks

$5.00

IRA (Rollover/Transfer)

$25.00

Overdraft

each item paid $25.00, daily maximum   $75.00*

Overdraft protection

$15.00 per year

Non-sufficient funds

each item $25.00, daily max $75.00

Charge-back fee:

 

deposited checks and other items returned unpaid.

$2.00 per item

Temporary statement

$1.00

Account research

$25.00 per hour

Balancing assistance

$25.00 per hour

Bill payment (all accts except Leisure & To Go)

$6.00/mth

Bill payment for Leisure & To Go accounts

5 free/month,50¢ for each additional

Stop payments (all items)

$15.00 plus tax**

Account alert

$15.00 plus tax**

Photocopies

$.25

Check copies

$1.00 per item

Wire transfers (incoming & outgoing)

 

Customer

$15.00

Non-customer

$25.00

International fee

$40.00

Garnishment and Levies

$40.00

Fax  Outgoing

$2.00 per page

Incoming

$1.00 per page

Escrow

$40.00

Collections

$15.00

Coin counting (non-customers)

10% of amount

Non-account holder check cashing policy

 

Under $199

$1.00

Under $200-299

$2.00

Under $300-$399

$3.00

Under $400 – $499

$4.00

$500 and over

$5.00

 

We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

*Fee applies to overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means.

**Fees subject to 5% Iowa state sales tax & any other local tax.