Checking Account Disclosure

HOMETOWN CHECKING ACCOUNT DISCLOSURE OF ACCOUNT TERMS

The minimum deposit required to open this account is $100.00.

No service charge if your daily ledger balance is $500.00 or more. If your daily ledger balance drops below $500.00 anytime during the month, a $5.00 monthly service charge will apply.

OTHER CHARGES THAT MAY APPLY

Return Item: $20.00 per check or electronic withdrawal returned due to  insufficient available funds. Charge applies to first presentment only.

Overdraft Service: $20.00 per check, per in-person withdrawal, ATM withdrawal, or any other electronic withdrawals drawn against insufficient funds and paid into the overdraft.

Stop Payment Charge: $ 20.00 per check or electronic withdrawal.

Account Activity Monitoring: $25.00 per month

Money Order Fee : $ 2.00

Cashiers Check Fee: $ 4.00

Notary Public: Free

Incoming Domestic Wire: Free

Outgoing Domestic Wire Fee: $ 15.00

International Wire ( Incoming or Outgoing) : $75.00

Collection Item Fee: $ 20.00 (or actual cost)

Canadian Check: $15.00

Statement Copies: $ 2.00 per month

Account Activity Printout: $2:00 per printout

Personalized Checks: Price will vary depending on style

Research Fee: $35.00 per hour

Garnishments or Levies: $25.00

Debit Card Replacement: $10.00  One free replacement will be provided each year, if necessary.

Stop a Lost, Stolen, or Compromised Debit Card: $10:00

We appreciate your business and it is our intention to give you the best possible service. If you have any questions concerning your account, please contact any member of our staff.