FEE SCHEDULE
• Service charges are based on the number of items that clear your account within a month. The following service charges apply may apply to your account:
• No monthly service charge will be assessed for a maximum of 200 items per clearing an account.
• A $.20 per item service charge will assessed for items that clear your account in excess of 200 items.
• If you are considered to be a money service business or non-bank financial institution, the bank may charge a monthly service charge up to $150. In addition to the $150, the bank will assess a $.20 per item service charge for items that clear your account in excess of 200 items. Fee may be altered based on management discretion.
• Overdraft charge (Business Checking accounts) - $30.00 per check, in-person withdrawals, pre-authorized automatic debits, telephone-initiated funds transfer, on-line banking transactions, or other electronic means.
• Daily Overdraft Charge for each day overdrawn - $5.00
Overdrafts covered within 48 hours from date overdrawn will not be subject to daily charge.
• Return Item Charge (Business Checking Accounts) - $30.00 per check, preauthorized automatic debits, or other items presented by electronic means that are returned unpaid.
• Deposited checks, or other items, returned unpaid (per item) - $7.00
• Stop Payment Request (if amount, payee & check # are known) - $30.00
All other Stop Payment Requests - $50.00
• Check Printing Fee – Fee depends on style of checks ordered.
Dormant Checking Account Fee - $10.00
Dormant is defined as an account that has had no credit or debit activity for a period of 180 days and the account balance is $200 or less. You further agree that we are relieved of all responsibility if your account balance is escheated.
• Research - per hour (1 hour minimum) - $40.00
• Copies from Optical/Imaging (including statements) – $5.00
• Microfilm Copies - $5.00
• Fee for Garnishment, Attachment, or Levy (each occurrence) - $100.00
• Free Internet Banking
Bill Payment - FREE
• Reissue of Lost or Stolen Debit Cards – $10.00
• ATM Service Charge at Foreign ATM (per transaction) - $1.50
In addition, you may be charged a fee by the financial institution, ATM operator, and/or any network used for non River City Bank ATMs. Furthermore, you may be charged a fee for a balance inquiry even if you do not complete a funds transfer.
RIVER CITY BANK OTHER SERVICES AND FEES
Youth Accounts – The person responsible for the account must certify that the account is for a person less than 18 and provide us with the youth’s date of birth. Upon proper certification, the monthly service charge will be waived if the balance is below the minimum required amount. Only statement savings accounts will be allowed as youth accounts.
Students Accounts – The person responsible must provide proof of status. The monthly service charge will be waived if the balance is below the minimum required amount. Only statement savings or basic checking will be allowed as students accounts.
Senior Citizen Accounts – The person responsible for the account must certify the account is for a person who is the age of 55 or older by giving their date of birth. The monthly service charge will be waived if the balance is below the minimum required amount. Only statement savings or basic checking will be allowed as senior citizens accounts.
Cashier’s Checks – $2.00 will be charged for each Cashier's Check Purchased
Wire Transfers - Outgoing Domestic Wires - $20.00 (per wire)
Outgoing International Wires - $50.00 (per wire)
Incoming International Wires - $10.00 (per wire)
Safety Deposit Box - Safety Deposit Box (depending on size) - $25.00 or $40.00 per year
Fee for lost Safety Deposit Box key - $10.00
Drill and replace lock on Safety Deposit Box - $75.00
Special Collection - $15.00 per item sent