Consumer Products
Free Checking
Minimum Opening Deposit – $100.00
Avg. Avail. Monthly Bal. Req. – $0.00
Check Writing Privileges – Unlimited
Interest Checking
Minimum Opening Deposit – $100.00
Avg. Avail. Monthly Bal. Req. – $2500.00
Below Avg. Avail. Monthly Bal. Fee – $10.00
Interest Rate – Variable
Check Writing Privileges – Unlimited
Generation Royal (15 – 24)
Minimum Opening Deposit – $100.00
Avg. Avail. Monthly Bal. Req. – $0.00
Check Writing Privileges – Unlimited
Prime Checking (50+)
Minimum Opening Deposit – $100.00
Avg. Avail. Monthly Bal. Req. – $500.00
Below Avg. Avail. Monthly Bal. Fee – $10.00
Interest Rate – Variable
Check Writing Privileges – Unlimited
Money Market
Minimum Opening Deposit – $100.00
Avg. Avail. Monthly Bal. Req. – $2500.00
Below Avg. Avail. Monthly Bal. Fee – $10.00
Interest Rate (Tiered) – Variable
Excess Transaction Fee – $5.00/per
Savings Account
Minimum Opening Deposit – $100.00
Avg. Avail. Quarterly Bal. Req. – $100.00
Below Avg. Avail. Quarterly Bal. Fee – $30.00
Interest Rate (Tiered) – Variable
Excess Transaction Fee – $5.00/per
Certificates of Deposit
Minimum Opening Deposit – $1000.00
Interest Rate (refer to rate capsule) – Fixed
Terms – 90 days to 10 yrs.
Withdrawals – At maturity only
Youth Savings (24 and under)
Minimum Opening Deposit – $25.00
Avg. Avail. Monthly Bal. Req. – $0.00
Interest Rate – Variable
Business Products
Business First Checking
Minimum Opening Deposit – $100.00
Avg. Avail. Monthly Bal. Req. – $0.00
Included Transactions Per Month – 300
Fee per Transaction Above Included – $0.50
Business Edge Checking
Minimum Opening Deposit – $100.00
Avg. Avail. Monthly Bal. Req. – $5000.00
Below Avg. Avail. Monthly Bal. Fee – $10.00
Included Transactions Per Month – 500
Fee per Transaction Above Included – $0.50
Corporate Checking
Minimum Opening Deposit – $100.00
Avg. Avail. Monthly Bal. Req. – $0.00
Monthly Fee – $20.00
Per Deposit Ticket – $0.50
Per Debit Item – $0.20
Per Credit Item – $0.15
Fee for Cash Deposited or Cash Withdrawn – ($1/$1,000.00)
Non-Profit Checking
Minimum Opening Deposit – $100.00
Avg. Avail. Monthly Bal. Req. – $0.00
Included Transactions Per Month – Unlimited
Money Market
Minimum Opening Deposit – $100.00
Avg. Avail. Monthly Bal. Req. – $2500.00
Below Avg. Avail. Monthly Bal. Fee – $10.00
Interest Rate (Tiered) – Variable
Excess Transaction Fee – $5.00/per
Savings Account
Minimum Opening Deposit – $100.00
Avg. Avail. Quarterly Bal. Req. – $500.00
Below Avg. Avail. Quarterly Bal. Fee – $30.00
Interest Rate (Tiered) – Variable
Certificates of Deposit
Minimum Opening Deposit – $1000.00
Interest Rate (refer to rate capsule) – Fixed
Terms – 90 days to 10 yrs.
Withdrawals – At maturity only
Sweep Products (Personal & Business)
ICS Money Market
Monthly Fee – $100.00
Avg. Available Monthly Bal. Req. – $2500.00
Below Avg. Avail. Monthly Bal. Fee – $10.00
Interest Rate – Variable
Excess Transaction Fee – $5.00/per
ICS Interest Checking
Monthly Fee – $100.00
Avg. Avail. Monthly Bal. Req. – $0.00
Interest Rate – Variable
Zero Balance Account (ZBA)
Monthly Fee – $20.00
Avg. Avail. Monthly Bal. Req. – $0.00
Rates and Fees are subject to change. Rates and Fees effective July 1, 2014.

Fees & Services
(per occurrence unless noted)
Treasurer’s Checks – $10.00
Copies of statements – $8.00
(checks and/or deposits)
Interim statement snapshot – $8.00

Overdraft (NSF) Fees:
• NSF Paid Item – $32.00
• NSF Returned Item – $32.00
(A fee may be created by check or pre-authorized automatic debit)

Overdraft protection transfer fee – $10.00
Returned Deposited Item – $12.00
Automatic redeposit of returned deposits – $5.00
Stop Payment Request – $32.00
Account Reconcilement/Research – $30.00 (per hour plus expenses)
Writes and Levies (per hour plus expenses) – $200.00
Special Collections – $30.00
Special handling foreign/other items (contact branch) – VARY
Foreign Currency Exchange (contact branch) – VARY
Signature Guaranteed – $5.00
Bond coupons deposited per envelope (plus expenses) – $10.00
Bond coupons returned (plus expenses) – $10.00
IRA Transfer/Direct Rollover Fee – $25.00
IRA Termination Fee – $25.00
Account closed within first six months – $25.00
Dormant Account fee (per month) – $5.00
Returned Mail/Bad Address Fee – $5.00
Replacement of lost Debit/ATM card – $10.00
Escheat processing fee – $75.00

Wire transfer fees:
• Domestic-outgoing w/Wire Manager (WM) – $15.00
• Domestic-outgoing w/o WM – $30.00
• Domestic – incoming – $10.00
• International (US$) – outgoing w/WM – $20.00
• International (US$) – outgoing w/o WM – $40.00
• International (non-US$) – outgoing – VARY
• International – incoming – $10.00

Safe Deposit Box (size/availability vary):
Annual Rental Fee
• 2×5 Box – $35.00
• 2×10 Box – $60.00
• 3×5 Box – $45.00
• 5×5 Box – $55.00
• 3×10 Box – $75.00
• 5×10 Box – $95.00
• 10×10 Box – $175.00
• Late payment fee – $10.00
• Replacement key – $25.00
• Box drilling (plus expenses) – $200.00

Remote Deposit Capture (Business) – $50/mo.
Business Online Banking
• Basic – $0.00
• Advanced – $15/mo.
• Corporate – $50/mo.

Business Mobile Deposit
• Basic – $0.00
• Advanced – $60/yr.

Telephone Banking Service
• First 25 inquires/month – FREE
• Per additional inquiry – $1.00

Certificates of Deposit

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