FEE SCHEDULE
REGULAR CHECKING ACCOUNT
• There is a monthly service charge of $2.00 assessed the last business day of each month.
• An additional service charge of $6.00 will be assessed the last business day of the month each month if the balance
drops below $400.00 any day of the month.
• Overdraft charge - $28.00 per check, in-person withdrawals, ATM withdrawals, transactions using debit cards, pre-authorized automatic debits, telephone-initiated funds transfer, on-line banking transactions, or other electronic means. Transactions may not be processed in the order in which they occurred, and that the order in which transactions are received by the institution and processed can affect the total amount of overdraft fees uncured by the consumer. Any fee charged to the account counts toward the total amount of the overdraft limit established by the bank.
• 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 - $28.00 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.
• Early account closure fee - $20.00, if account closed within the first 90 days
• Dormant Checking Account Fee - $10.00, if no activity for a period of 180 days
• Reissue of Lost or Stolen Debit Cards – $12.00
• 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.
• 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
• Internet Banking Account Access - FREE
Online Bill Payment - FREE
BASIC CHECKING ACCOUNT
• There is a monthly service charge of $5.00 regardless of the actual balance maintained assessed the last business day of each month.
• Overdraft charge - $28.00 per check, in-person withdrawals, ATM withdrawals, transactions using debit cards, pre-authorized automatic debits, telephone-initiated funds transfer, on-line banking transactions, or other electronic means. Transactions may not be processed in the order in which they occurred, and that the order in which transactions are received by the institution and processed can affect the total amount of overdraft fees uncured by the consumer. Any fee charged to the account counts toward the total amount of the overdraft limit established by the bank.
• 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 - $28.00 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.
• Early account closure fee - $20.00, if account closed within the first 90 days
• Dormant Checking Account Fee - $10.00, if no activity for a period of 180 days
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.
• Reissue of Lost or Stolen Debit Cards – $12.00
• 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.
• 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
• Internet Banking Account Access - FREE
Online Bill Payment - FREE
FREE CHECKING ACCOUNT
• There is no monthly service charge.
• Overdraft charge - $28.00 per check, in-person withdrawals, ATM withdrawals, transactions using debit cards, pre-authorized automatic debits, telephone-initiated funds transfer, on-line banking transactions, or other electronic means. Transactions may not be processed in the order in which they occurred, and that the order in which transactions are received by the institution and processed can affect the total amount of overdraft fees uncured by the consumer. Any fee charged to the account counts toward the total amount of the overdraft limit established by the bank.
• 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 - $28.00 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.
• Early account closure fee - $20.00 if account closed within the first 90 days
• Dormant Checking Account Fee - $10.00, if no activity for a period of 180 days
• Reissue of Lost or Stolen Debit Cards – $12.00
• 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.
• 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
• Internet Banking Account Access - FREE
Online Bill Payment - FREE
NOW ACCOUNTS
• A service charge of $10.00 will be assessed the last business day of each month if balance drops below $1,000 any day of the month.
• Overdraft charge - $28.00 per check, in-person withdrawals, ATM withdrawals, transactions using debit cards, pre-authorized automatic debits, telephone-initiated funds transfer, on-line banking transactions, or other electronic means. Transactions may not be processed in the order in which they occurred, and that the order in which transactions are received by the institution and processed can affect the total amount of overdraft fees uncured by the consumer. Any fee charged to the account counts toward the total amount of the overdraft limit established by the bank.
• 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 - $28.00 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.
• Early Account Closure fee - $20.00, if account closed within the first 90 days
• Dormant Checking Account Fee - $10.00, if no activity for a period of 180 days
• Reissue of Lost or Stolen Debit Cards – $12.00
• 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.
• 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
• Internet Banking Account Access - FREE
Online Bill Payment - FREE
MAXIMUM CHECKING ACCOUNTS
• Overdraft charge - $28.00 per check, in-person withdrawals, ATM withdrawals, transactions using debit cards, pre-authorized automatic debits, telephone-initiated funds transfer, on-line banking transactions, or other electronic means. Transactions may not be processed in the order in which they occurred, and that the order in which transactions are received by the institution and processed can affect the total amount of overdraft fees uncured by the consumer. Any fee charged to the account counts toward the total amount of the overdraft limit established by the bank.
• 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 - $28.00 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
• Early Account Closure Fee - $20.00. if account closed within the first 90 days
• Dormant Checking Account Fee - $10.00, if no activity for a period of 180 days
• Reissue of Lost or Stolen Debit Cards – $12.00
• 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.
• 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
• Internet Banking Account Access - FREE
Online Bill Payment - FREE
SUPER NOW ACCOUNTS
• Service charge of $10.00 will be assessed the last business day of each month if balance drops below $2,500 any day of the month.
• Overdraft charge - $28.00 per check, in-person withdrawals, ATM withdrawals, transactions using debit cards, pre-authorized automatic debits, telephone-initiated funds transfer, on-line banking transactions, or other electronic means. Transactions may not be processed in the order in which they occurred, and that the order in which transactions are received by the institution and processed can affect the total amount of overdraft fees uncured by the consumer. Any fee charged to the account counts toward the total amount of the overdraft limit established by the bank.
• 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 - $28.00 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.
• Early Account Closure fee - $20.00, if account closed within the first 90 days
• Dormant Checking Account Fee - $10.00, if no activity for a period of 180 days
• Reissue of Lost or Stolen Debit Cards – $12.00
• 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.
• 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
• Internet Banking Account access - FREE
Online Bill Payment - FREE
MONEY MARKET ACCOUNTS
• Service charge of $10.00 will be assessed the last business day of each month if balance drops below $2,500 any day of the month.
• Overdraft charge - $28.00 per check, in-person withdrawals, ATM withdrawals, transactions using debit cards, pre-authorized automatic debits, telephone-initiated funds transfer, on-line banking transactions, or other electronic means. Transactions may not be processed in the order in which they occurred, and that the order in which transactions are received by the institution and processed can affect the total amount of overdraft fees uncured by the consumer. Any fee charged to the account counts toward the total amount of the overdraft limit established by the bank.
• Overdraft charge (Business Checking accounts) - $30.00 per check, in-person withdrawals, ATM withdrawals, transactions using debit cards, pre-authorized automatic debits, telephone-initiated funds transfer, on-line banking transactions, or other electronic means. Transactions may not be processed in the order in which they occurred, and that the order in which transactions are received by the institution and processed can affect the total amount of overdraft fees uncured by the consumer. Any fee charged to the account counts toward the total amount of the overdraft limit established by the bank.
• 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 - $28.00 per check, preauthorized automatic debits, or other items presented by electronic means that are returned unpaid.
• 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.
• Early Account Closure fee - $20.00, if account closed within the first 90 days
• Dormant Checking Account Fee - $10.00, if no activity for a period of 180 days
• 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
• Internet Banking Account Access - FREE
Online Bill Payment - FREE
STATEMENT SAVINGS ACCOUNTS
• Service charge of $5.00 will be assessed the last business day of each month if balance drops below $200 any day of the month
• You may make one (1) withdrawal per month
Each additional withdrawal - $4.00, will be assessed the last business day of the month
• Deposited checks, or other items, returned unpaid (per item) - $7.00
• Dormant Savings Account Fee - $10.00, will be assessed the last business day of the month.
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
OTHER ACCOUNT FEES
Overdraft charge imposed on overdrafts created by checks, in-person withdrawals, ATM withdrawals, transactions using debit cards, pre-authorized automatic debits, Telephone-initiated funds transfer, on-line banking transactions, or other electronic means. $28.00
Overdraft charge (business checking accounts) imposed on overdrafts created by checks, In-person withdrawals, ATM withdrawals, transactions using debit cards, pre-authorized Automatic debits, telephone-initiated funds transfer, on-line banking transactions or Other electronic means $30.00
Daily overdraft charge imposed daily on overdrawn accounts beginning when any Overdraft is not covered within 48 hours from the date overdrawn $5.00
Return item charge imposed when checks, preauthorized automatic debits, or other Items presented by electronic means are returned unpaid $28.00
Return Item Charge (Business checking accounts) imposed when checks, preauthorized Automatic debits, or other items presented by electronic means are returned unpaid $30.00
Dormant Fee* $10.00
* If the balance is less than the dormant fee, the fee will be the remaining balance
Deposited checks, or other items, returned unpaid $7.00
Stop Payment Request (If amount, payee, and check # are known) $30.00 All other stop payment requests $50.00
Outgoing domestic wire $20.00 Outgoing International wire $50.00
Incoming Wire - $10.00
Check Printing Fee depends on style ordered
Microfilm copies $5.00 Research per hour (one hour minimum) $40.00
Copies from Optical Disk/Imaging (including statements) $5.00
Items for special collection $15.00
Fee for garnishment, attachment, or levy
(each occurrence) $100.00
Special Collection - $15.00 per item sent
Early Account Closure Fee: $20 (if account is closed within the first 90 days)
Cashier's Checks
$2.00 will be charged for each Cashier's Check Purchased
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
Debit/ATM card:
Reissue lost or stolen card $12.00
ATM Service charge (per transaction)** $1.50
**This service charge will apply when you use an ATM not owned by River City Bank in addition, you may be charged a fee by the financial institution, ATM operator, and/or any network used for non River City Bank ATM. Furthermore, you may be charged a fee for a balance inquiry even if you do not complete a funds transfer.