Exchange Bank Scheduler
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Fee Schedule

Miscellaneous Fees & Charges

Other Account Fees

Safe Deposit Box Fee
Safe Box  1½" x 5"$27per year
Safe Box  2" x 5"$33per year
Safe Box  2½" x 5"$39per year
Safe Box  3" x 5"$45per year
Safe Box  3½" x 5"$49per year
Safe Box  4" x 5"$51per year
Safe Box  5" x 5"$56per year
Safe Box  6¾" x 5"$65per year
Safe Box  3" x 10"$69per year
Safe Box  4" x 10"$75per year
Safe Box  5" x 10"$85per year
Safe Box  5¾" x 10"$94per year
Safe Box  6½" x 10"$104per year
Safe Box  7" x 10"$113per year
Safe Box  8¼" x 10"$123per year
Safe Box  9¼" x 10"$133per year
Safe Box  10" x 10"$142per year
Safe Box  10¾" x 10"$152per year
Safe Box  11½" x 10"$161per year
Safe Box  11½" x 11"$171per year
Safe Box  Extra large$195per year
Lost Key Fee
1 lost key $45.00
2 lost keys drill fee applies
Drill Fee:

If it is necessary to drill a safe deposit box, a drill fee will be assessed and charged. Drill fees vary depending on the branch location of the safe deposit box.

Manual Fee:

The above fees refer to safe deposit box rent automatically deducted from your checking account, money market account or savings account with us. A manual billing increases your safe deposit box rental fee by $10.00 annually.

Late Fee:

A late fee of $10.00 will be assessed for safe deposit box rent which is more than 15 calendar days past due.



Overdraft Protection Service

Overdraft Protection Service automatically transfers funds from a personal checking, savings, or money market account to avoid an overdraft in your checking account. Transfers are made in the exact amount of the overdraft plus a $10.00 fee. You will be notified for each transfer that occurs on your account.

Overdraft Item Paid or Returned $32.00 per item
Daily Maximum Charge $175.00 per day

Fee charged when there are insufficient funds in your account to cover a check, in-person withdrawal, ATM withdrawal, or withdrawal by other electronic means you have authorized, whether we pay the item or return it unpaid. Daily maximum of $175.00

Abandoned Account Fee Notice$2per account
American Express® Services
    Traveler's Cheques - Individual1.5%of face value
Bond Coupon Processing$18per envelope
Branch Hold Statements$3per month
Cashier's Check - Customer$8per item
Collections - Incoming or Outgoing$20per item
Customer ChecksVaries based on style ordered
Check Copy*$3
Sightline Checks for the Visually Impairedno charge
Deposit Verification Service$10per request
Deposited Items Returned Unpaid$7per item
Foreign Check Exchange$5each
Foreign Check Collectionfees vary
Foreign Currency Exchange$5each
Foreign Currency Purchase$10each
Medallion Stamp - Customer$5per item
Night Depository Bag Fee$20per 100 bags
Non Customer Check Cashing$5per item
Non Exchange Bank ATM
    Balance Inquiry$1each
    Withdrawal$1.50each
Reconcile Accounts$15each hour ($15.00 min)
Research$30per hour
Research Photocopiesup to 3.00per item/page
Signature Guarantee - Customer$5per item
Statement Copy$5per statement
Stop Payment Order$32per request
Wire Transfers
    Incoming Domestic$10per wire
    Outgoing Domestic$30per wire
    Outgoing International$40per wire plus fees and costs
*1st 2 copy requests per statement are free of charge
Foreign Currency Conversion Fee:

Point of Sale (POS) purchases and ATM withdrawal transactions outside the United States are charged a Foreign Currency Conversion Fee of 1%.

Legal Process:

If the Bank is required to process a legal order such as a subpoena or levy, your account will be charged $75.00 (except for certain subpoenas where the issuing party has been charged). Research fees for subpoena may vary.

CHECKING ACCOUNTS

All checking accounts listed in this section require a $100.00 minimum opening deposit, except where otherwise noted.

Essential Checking

Go Green! Checking

Choice Checking

Signature Checking

SAVINGS ACCOUNTS

A regulatory limit of six withdrawals per month applies to preauthorized, automatic or telephone transfers, draft, debit card or similar orders payable to third parties. Unlimited in-person or Exchange Bank ATM cash withdrawals are permitted.

Regular Savings

A minimum deposit of $100 is required to open this account.

No quarterly maintenance fee when an average daily balance of $300 or more is maintained in the account during the quarterly statement period; otherwise a $6.00 quarterly maintenance fee applies. If you combine your monthly checking and savings statements, the quarterly maintenance fee is waived. Six withdrawals or transfers are allowed per quarter at no charge. Each subsequent withdrawal or transfer is $1.00 each. Avoid excess withdrawal fees for withdrawals and transfers by maintaining an average daily balance of $1,000 or more during the quarter.

Savers Club Account

A minimum deposit of $100 is required to open this account.

This account helps you save systematically throughout the year. Choose when to receive your savings: March, June or October. There are no service charges.

MONEY MARKET ACCOUNTS

Money market accounts are tiered interest rate accounts and the amount of interest paid will depend on the balance maintained. A regulatory limit of six withdrawals per statement cycle applies to pre-authorized, automatic or telephone transfers, check, draft, debit card or similar orders payable to third parties. A fee of $15.00 will apply to each transfer in excess of the regulatory limit for the monthly statement cycle. Unlimited in-person or Exchange Bank ATM cash withdrawals are permitted.

Money Market Investment Account

A minimum deposit of $1,000 is required to open this account.

No monthly maintenance fee when an average daily balance of $2,500 or more is maintained in the account during the monthly statement period; otherwise a $12.00 monthly maintenance fee will apply.

YOUTH ACCOUNTS

Piggy Bank Club Savings:

The Piggy Bank Club Savings is an interest bearing account for children up to 12 years old. No monthly maintenance fee, no minimum opening deposit, special "Earnie" piggy bank at account opening, plus educational newsletters and other fun benefits.

MyCash Checking:

MyCash is for teenagers from 13 years old until they turn 18 and who prefer to do their banking electronically. No monthly maintenance fee unless checks are written. For each check presented, there will be a $.50 processing fee. No Exchange Bank fee for cash withdrawals at any ATM within the United States. In addition, we will rebate up to $8.00 of other banks' ATM cash withdrawal fees and up to two Exchange Bank balance inquiry fees at statement cycle. Check images are not available.

My Cash Savings:

This interest-bearing account is designed for teenagers from 13 years old until they turn 18. No monthly maintenance fee; no minimum opening deposit.

CERTIFICATES OF DEPOSIT

Investment Certificates of Deposit

1,000 minimum deposit to open. Terms from 3 months to 3 years.

Jumbo Investment Certificates of Deposit

$100,000 minimum deposit to open. Terms from 3 months to 3 years.

Stash of Cash Certificate of Deposit

A minimum deposit of $10,000 in funds new to Exchange Bank is required to open this account. Nine month term only.

Stash of Cash Jumbo Certificate of Deposit

A minimum deposit of $100,000 in funds new to Exchange Bank is required to open this account. Nine month term only.

Should the need arise during the term, you can withdraw funds from your CD without penalty after the first six daysof the account term or after the first six days following any additional deposit or partial withdrawal when you reinvest the amount withdrawn in any Exchange Bank deposit account. You can make additional deposits of at least $5,000 during the term. To be eligible for this product, you must maintain an existing Exchange Bank checking account or open an Exchange Bank checking account for a minimum of $1,000.

Individual Retirement Accounts

Variable and fixed rate traditional IRAs, Roth IRAs, Education IRAs and Simplified Employee Pension plan (SEP) accounts are available. $250 minimum opening deposit requirement for terms of 6 months to less than 2 years with additional deposits allowed. $1,000 minimum opening deposit requirement for terms of 2 years through 5 years, no additional deposits allowed. A $15.00 annual account maintenance fee will be charged in the last month of the year for each account in an IRA plan with a total plan balance less than $20,000. All IRA accounts with Exchange Bank under the same ownership will be considered in determining the balance necessary to waive the annual account maintenance fee.

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