Schedule of Fees
Effective August 28, 2024
Checking Services
Free & Easy Checking Account
| No Minimum Balance - No Monthly Service Fee |
| Unlimited check Writing |
| Simplified Monthly Statement |
Advantage Checking Account
| Unlimited Check Writing |
| First Order of Wallet Style Checks is Free |
| Free Check Image Statements |
| Free Email Statements available upon request |
| Maintain $500.00 minimum or pay $7.50 per month |
Senior Advantage: No Monthly Service Fee & Free Wallet Checks beginning at the young age of 50.
Internet Banking Fees
| Online Banking * | No Monthly Charge |
| Bill Pay: | |
| No Monthly Charge | |
Cash Management Services (Business Accounts) *
| Setup Fee | $150.00 |
| Monthly Service Fee |
$ 29.95 |
|
|
|
|
TeleBank Line |
No Monthly Charge |
Small Business Checking Account
| Maintain $500.00 Minimum Balance or pay $10.00 |
| Up to 200 transactions * included per month |
Excess transactions are $.25 per item
| FREE Check Image Statements |
| FREE Email Statements available upon request |
| Up to $15,000 coin and currency handling monthly |
Advantage Business Checking Account
| Maintain $2,500.00 Minimum Balance or pay $15.00 |
| Up to 500 transactions * included per month Excess transactions are $.25 per item |
| FREE Check Image Statements |
| FREE Email Statements available upon request |
| Up to $25,000 coin and currency handling monthly |
| * Transactions include deposit forms, checks deposited, ACH debits and credits and checks drawn against your account. |
Business Analysis Checking Account
| Account balances receive an earnings credit that is used to offset service charges on the account. |
| Account is for high-volume businesses |
| FREE Check Image Statements |
| FREE Email Statements available upon request |
| * Transactions include deposit forms, checks deposited, ACH debits and credits and checks drawn against your account. |
Premium Advantage Checking Account
| Earn Tiered Interest on Entire Balance |
| Unlimited Check Writing |
| 1 box of Wallet Style Checks is FREE per year |
| FREE Check Image Statements |
| FREE Email Statements available upon request |
| Maintain $1,000 minimum balance or pay $10.00 per month. |
Money Market Advantage Account
| Savings account with Check Writing privileges | |
| FREE Check Image or Email Statements | |
| Maintain $1,000 minimum balance or pay $10.00 per month | |
| Withdrawal Limitations | |
| Six (6) Withdrawals | No Charge |
| After (6) Withdrawals | $5.00 per Withdrawal |
Banclub Plus Checking Account
| No Minimum Balance | |
| Unlimited Check Writing | |
| "Everywhere Cash" Savings | |
| Banclub checks are FREE | |
| FREE Check Image Statements | |
| FREE AD&D Insurance | |
| Identity Theft Insurance/Identity Fraud Support | |
| Discounted Gift Cards | |
| Free Payment Card Protection | |
| Monthly Membership: $7.00 Individual, $8.00 Joint, $9.00 Family | |
| The following fees are waived or modified for Banclub Accounts | |
| Safe Deposit Box | $5.00 Annual Credit on Box Rent |
Savings Services
Maximum Advantage Savings Account
| Convenient and Easy Funds Transfers | |
| Interest Paid Monthly - Statement Savings | |
| A withdrawal fee of $2.00 will be charged for each debit transaction in excess of six during a month. | |
| Maintain $100.00 minimum or pay $3.00 per month. | |
| Dormant Service Fee | $10.00 per month |
| (Account is dormant if not active for a period of one year. The fee will be added if account is dormant and has a balance less than $100.00.) | |
Other Services Fees
Checking Services
Insufficient Funds HANDLING Fees: "Overdrafts"
| HANDLING FEE is charged for: | |
| Paid Item Item | $33.00 per item |
| Return Item Item | $33.00 per item |
| (Paid ftem Fee & Return ftem Fee applies to overdrafts created by check. in- person withdrawals. ACH activity. or other electronic means. as applicable when the Ledger Balance in your account cannot cover the items presented for payment. Return Item Fees apply each time an item is presented after its initial day presentment as well. Overdraft Fees do not apply to ATM and Visa Debit Card Activity.) |
|
| HANDLING FEE is charged for: | |
| UCF Paid Item Fee | $33.00 per item |
| UCF Return Item Fee | $33.00 per item |
| (Uncollected Funds) Handling Fee is charged when an item is paid or returned, it applies to overdrafts created by check, in-person withdrawals, ACH activity, or other electronic means, as applicable when the Ledger Balance in your account can cover the items presented for payment, but due to Holds, the Available Balance (Ledger Balance minus Holds) is insufficient. Return Item Fees apply each time an item is presented after its initial day presentment as well. Overdraft Fees do not apply to ATM and Visa Debit Card Activity.) |
|
Overdrawn Accounts (Excessive Overdraft Fee) $5.00 daily fee --- Accounts that are overdrawn in excess of 6 business days (Monday through Friday) or more will be charged a per-day charge starting on business day number 7 and thereafter until the overdraft is eliminated.
|
Dormant Service Fee |
$10.00 per month. |
| (Account is dormant if not active for a period of six months. The fee will be added if account and has a balance less than $500.00.) | |
|
Stop Payment Fee |
$28.00 per item |
Account Closing Fee ------
| $15.00 Account Closing Fee for accounts closing within first 6 months of account opening. |
|
|
|
|
Overdraft Sweep Fee |
$10.00 per sweep. (Notice-Sweep will not always occur. When insufficient funds are not available to cover the overdrawn balance the sweep will not take place |
|
Printed Check Charge |
Price Varies with Check Style |
Card Services (ATM AND VISA DEBIT CARDS)
| ATM Foreign Transaction | $1.50 for each Foreign Transactions Conducted at a non Wilson & Muir Bank ATM |
| Replacement Card Charge | $10.00 per card |
| PIN Number Changes | $ 5.00 per PIN Change |
Bookkeeping Services
| Research $20.00 per hour, plus $1.00 per reproduction | |
| Account Reconcilement | $20.00 per hour |
| Special Statement | $ 1.00 per statement |
Teller Services
| Cashiers Checks | $5.00 per check |
Collection Services
| Coupon Collection | $10.00 per envelope |
| Bond Redemption | $15.00 per issue |
| Check Collection: | |
| Customer | Charges as Incurred |
| Non-Customer: | |
| Incoming | $ 5.00 per check |
| Outgoing | $10.00 per check |
| Attachments, Garnishments and Levy | $100.00 per item |
| Foreign Currency Exchange | Charges as Incurred (Customers Only) |
Wire Services
| Customer: | |
| Incoming Wire Fee (customers) | $ 10.00 per wire |
| Outgoing Wires | $20.00 per wire |
| International Wires | $40.00 per wire |
| Non-Customer: | |
| Incoming Wires | $15.00 per wire |
Night Deposit Services
| Lock Bags | $ First Bag Free |
| Additional Bags | $ 15.00 each |
| Replacement Keys | $ 1.00 each |
| Zipper Bags | $ First Bag Free |
| Additional Zipper Bags | $ $5.00 each |
Safe Deposit Boxes
| 3" x 5" | $15.00 Annually |
| 5" x 5" | $20.00 Annually |
| 3" x 11" | $25.00 Annually |
| 5" x 10" | $30.00 Annually |
| 10" x 10" | $60.00 Annually |
| Drilling & Replacing Lock | AT COST |
| Replacing Keys | $20.00 per key |
Other Services
| Notary Service | $5.00 |
| Photocopies | $0.25 per copy |
Equal Housing Opportunity
We do Business in Accordance With the Fair Housing Act (The Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988)
IT IS ILLEGAL TO DISCRIMINATE AGAINST ANY PERSON BECAUSE OF RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS (HAVING ONE OR MORE CHILDREN), OR NATIONAL ORIGIN
- In the sale or rental of housing or residential lots
- In advertising the sale or rental of housing
- In the financing of housing
- In the appraisal of housing
- In the provision of real estate brokerage services
- Redlining is also illegal
Anyone who feels he or she has been discriminated against should send a complaint to:
U.S. Dept. of Housing & Urban Development
Asst. Secretary for Fair Housing and Equal Opportunity,
Washington, DC 20410