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Miscellaneous Business Banking Fees

Effective 04/01/2014

 

Category / Description

Amount
All fees per occurrence, unless otherwise stated
Analyzed Business Checking
Only the following fees will be included as part of the monthly analysis and will be offset by earning credits. Other fees (see General Business Checking) may also be incurred.
Account fees
Earnings Rate .75%
Borrowing Rate 3.25%
Reserve requirement Waived
Monthly maintenance (per zero balance or analyzed account) $18/mo.
Sweep fee (per zero balance or analyzed account) $15/mo.
Checks/Electronic Debits
Insufficient/unavailable funds (any transaction, whether returned or paid, including bill payment & ATM/POS) $27
Verification of Deposit $10
Checks written
Paid through in-clearing
Paid at branch
Debit

$0.12
$0.25
$0.10
Stop payment (paper or electronic) $25
Money order $2
Cashier's check to account holder
Cashier's check to 3rd party
$2
$5
Collection item (incoming or outgoing) Cost + $10
Documentary Cost + $50
Online Banking
Online bill payment
Insufficient/unavailable funds (any transaction, whether returned or paid,
including bill payment & ATM/POS)
Expedited bill payment services
Popmoney®
Overnight check
Fee free
$27
 
 
$0.75/ea.
$17.95/ea.
ACH
Return
File transmission (per file)
Item processing (per item)
 
$10
$10
$0.10
Deposits/Electronic Credits
Deposit processing
Per check deposited
$1.25
$0.08
Deposit correction $5
Returned item (paper or electronic) $15
ACH credit Waived
Cash/Currency
Currency deposit/purchase (per $100) $0.20
Coin
Rolled coin deposit (per roll)
Bagged coin deposit (per bag)
Boxed coin purchase (per box)

$0.10
$3.50
$3.50
Other
Wire Transfer
Incoming
Incoming fax or email wire notification
Outgoing ($50 minimum)
International
 
$10
$2
$25
$35
Courier/armored car service At cost
Third-party services At cost
Money Service Business (businesses subject to compliance or FinCEN regulations) $50/mo.
Legal document processing $50
Remote deposit $35/mo.
General Business Checking
Online Banking
Online bill payment
3+ bill pays/mo.
Low activity (less than 3 bill pays/mo.)
Paper copy of bill payment
Rejected bill payment
Expedited bill payment services
Popmoney®
Overnight check
 
Fee free
$3/mo.
$5
$27
 
$0.75/ea.
$17.95/ea.
NiftiCard® VISA® Check Card
Uses that do not require a PIN Fee free
PIN-based ATM uses (withdrawals, transfers, inquiries)
At Island & CO-OP Network ATMs
At other ATMs (plus ATM owner surcharges)

Fee free
$1.50
Lost card replacement $5
NiftiPhone® Telephone Teller Fee free
Checking, Savings, Money Market
Account closure within 90 days of opening $10
Check printing At cost
Temporary checks:
Per sheet of 3
Initial set of 9 (at account opening)
 
$1
Fee free
Insufficient/unavailable funds (any transaction, whether returned or paid, including bill payment & ATM/POS) $27
Reg D excess activity (6+ non-branch savings/money market withdrawals/mo.) $10
Deposit correction $5
Verification of Deposit $10
Checks and transfers
Cashier's check to account holder
Cashier's check to 3rd party
$2
$5
Collection item (incoming or outgoing) Cost + $10
Documentary Cost + $50
Gift check $2.50
Money order $2
Overdraft transfer (from savings or money market) $5
Returned item (paper or electronic) $15
Stop payment (paper or electronic) $25
Wire Transfer
Incoming
Outgoing ($50 minimum)
International
 
$10
$25
$35
Miscellaneous Services
Copies (checks, statements, vouchers) $2
Legal document processing $50
Merchant credit card processing At cost
Monthly activity printout
First page
Second & subsequent pages
 
Fee free
$2
Notary service
Island document
Non-Island document (per signature)
 
Fee free
$10*
Payroll processing At cost
Research (all requests) $20/hr.
Returned statement (invalid address) $5
Other
Out of compliance (missing required documents and/or licensing) $100/mo.