Disclosure Statement

Effective August 9, 2013

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/month1
ATM cash withdrawal (our ATM): $0.50
At ATMs we don’t own or operate: $0.75
ATM dollar limit: $200/24-hr. period
ATM balance inquiry (per inquiry): $0.50
At ATMs we do not own or operate: $0.75
Replacing a lost ATM/debit card: $10
Iowa state sales tax applies only to ATM transactions which involve checking accounts.
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).
Automatic transfer of funds between accounts: $1
Check printing: Fee depends on style of check ordered
Money order (max. 500/check): $3
Cashiers checks: $5
IRA (Rollover/Transfer): $25
Overdraft: $25 for each item paid, $75 daily maximum*
Overdraft protection line of credit: $15/year
Non-sufficient funds: $25 for each item paid, $75 daily maximum
Deposited checks and other items returned unpaid: $2/item
Temporary statement: $1
Account research: $25/hour
Balancing assistance: $25/hour
Bill payment (all accounts except Leisure, To Go, Premium, Value & Rewards): $6/month
Bill payment for Leisure & To Go accounts: Five free per month, $0.50 for each additional
Stop payments (all items): $15 plus tax**
Account alert: $15 plus tax**
Photocopies: $0.25
Check copies: $1/item
Customer wire transfer (incoming and outgoing): $15
Non-customer wire transfer: $25
International fee: $40
Garnishment and Levies: $40
Outgoing Fax: $2/page
Incoming Fax: $1/page
Escrow: $40
Collections: $15
Coin counting (non-customers): 10% of amount
Non-account holder check cashing policy:
Under $199 $1
Under $200-299 $2
Under $300-$399 $3
Under $400-$499 $4
$500 and over $5

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.

1This fee does not apply to Premium, Value, Leisure, To Go or Reward accounts.

*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.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

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