e-Personal Services and Fees

Services	Monthly Fee	Per Item Fee
Basic e-Banking Services View Accounts, transfer between accounts and e-BillPay (sold separately)	Free	None
e-BillPay Services	No monthly fee, 10 FREE bill payments per calendar month; No monthly fee, 20 FREE bill payments per calendar month for Classic and Advantage accounts	$0.55 for each additional bill payment after 10 (or 20, for Classic and Advantage accounts)
OPTION: e-Bills	None	$1.00 each
OPTION: Year-End CD	None	$30.00 each

Additional e-Personal Fees

Services	Fee
Stop Payment	$27.00 each
Overdraft	$29.00 each
Returned Item	$29.00 each
Returned Deposit Item	$5.00 each

e-Business Services and Fees

Services	Monthly Fee	Per Item Fee
Basic e-Banking Services View Accounts, transfer between accounts and e-BillPay (sold separately)	Free	None
e-BillPay Services	10 FREE bill payments per calendar month	$0.55 for each bill payment after the first 10
OPTION: e-Bills	None	$1.00 each
OPTION: Year-End CD	None	$30.00 each

e-Business Banking Package Deal #1 - A la carte Traditional e-Business Services (ACH Transfers, Tax Payments and Wire Services)

Services	Monthly Fee	Per Item Fee
ACH Services *	$9.95 per calendar month	$0.30 per transaction
Tax Payment Services	$4.95 per calendar month	None
Wire Transfer Services	$4.95 per calendar month	$20 per domestic wire transfer $35 per international wire transfers
Total for All Services	$19.85 per calendar month	$0.30 per ACH item $20 per domestic wire transfer $35 per international wire transfer
* One Time ACH Setup Fee		$25

e-Business Banking Package Deal #2 - Bundled Traditional e-Business Services (ACH Transfers, Tax Payments and Wire Services) with lower ACH per-item fees for customers with greater ACH needs.

Services	Monthly Fee	Per Item Fee
ACH Services *	$39.95 per calendar month	$0.12 per transaction
Tax Payment Services	Free	None
Wire Transfer Services	Free	$20 per domestic wire transfer $35 per international wire transfer
* One Time ACH Setup Fee		$25

e-Business Premium Services Need Account Reconciliation and Positive Pay? Add them!

Services	Monthly Fee	Per Item Fee
Account Reconciliation	$14.95 per calendar month	$0.05 per Issue *
Positive Pay	$39.90 per calendar month	$0.05 per Issue * $0.50 per Exception
* Only charged per item Issue fee once if both Account Reconciliation & Positive Pay services are used

Additional e-Business Fees

Services	Fee
Onsite Setup/Training Visit	$100.00 per visit
Stop Payment	$27.00 each
Overdraft	$29.00 each
Returned Item	$29.00 each
Returned Deposit Item	$5.00 each
ACH Item Reversal	$5.00 per batch + $0.10 per item
ACH Item Reclaim	$15.00 per item