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.
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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 |
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At ATMs we do not own or operate |
$.75 |
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ATM dollar limit |
$200.00 per 24-hour period |
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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 |
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At ATMs we do not own or operate |
$.75 |
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Iowa state sales tax applies only to ATM transactions which involve checking accounts |
|
|
Replace lost ATM/Debit card |
$10.00 |
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Automatic transfer of funds between accounts |
$1.00 |
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Check printing |
fee depends on style of check ordered |
|
Money order (max. 500/ck) |
$3.00 |
|
Cashiers checks |
$5.00 |
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IRA (Rollover/Transfer) |
$25.00 |
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Overdraft |
each item paid $25.00, daily maximum $75.00* |
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Overdraft protection |
$15.00 per year |
|
Non-sufficient funds |
each item $25.00, daily max $75.00 |
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Charge-back fee: |
|
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deposited checks and other items returned unpaid. |
$2.00 per item |
|
Temporary statement |
$1.00 |
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Account research |
$25.00 per hour |
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Balancing assistance |
$25.00 per hour |
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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 |
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Check copies |
$1.00 per item |
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Wire transfers (incoming & outgoing) |
|
|
Customer |
$15.00 |
|
Non-customer |
$25.00 |
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International fee |
$40.00 |
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Garnishment and Levies |
$40.00 |
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Fax Outgoing |
$2.00 per page |
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Incoming |
$1.00 per page |
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Escrow |
$40.00 |
|
Collections |
$15.00 |
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Coin counting (non-customers) |
10% of amount |
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Non-account holder check cashing policy |
|
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Under $199 |
$1.00 |
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Under $200-299 |
$2.00 |
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Under $300-$399 |
$3.00 |
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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.


