Schedule of Fees

All stated fees and balance requirements are applicable to your account monthly.

Account Transaction History
$5.00
ATM Card Replacement
$5.00
Business On-Line Banking
FREE
          Bill Payment
FREE
          Download to Quicken or QuickBooks
$5.95
          Payroll ACH Processing, Federal/State Tax Payments
$9.95
Check Cashing Fee (non-customer)
$10.00
Check Photocopy
$3.00
Daily Account Overdrawn Fee
$3.00
Deposit Correction Fee
$3.00

Deposited Item Returned

$5.00

          Special Handling

$3.00
Dormant Account Charge $25.00
Early Closing Fee
(within 90 days of opening)
$50.00
Fax Service
$3.00
+$1.00 per page
Foreign ATM Fee (1)
$2.00
Garnishment, Levy or Lien
$100.00
Inactivity Fee $10.00
International Collection Item
$75.00
International Currency
 

          Exchange Fee - 1% of US Dollar Equivalent

$5.00 minimum

          International Currency Draft

$15.00

          International Overnight Shipping Fee

$20.00
IRA Transfer Fee (outgoing) (4)
$50.00
Nonsufficient Funds Fee Paid (each)
$35.00
Nonsufficient Funds Fee Returned (each)
$35.00
Official Checks Purchase (customers only)
$10.00
Official Checks (non-customer check exchange)
$15.00
Overdraft Protection Transfer Fee
$5.00
Personal On-Line Banking
FREE
          Bill Payment
FREE
Research (per hour)
$20.00
Return Mail Handling Fee $10.00
Statement          
   

          CD ROM

$10.00

          Photocopy

$5.00

          Reconciliations (per hour)

$20.00
Stop Payment - Placed in Branch
$35.00
Stop Payment - Placed On Line
$25.00
Telephone Transfers (other than Direct Access)
$2.00
Travelers Chequest - 2% of total purchase amount (3) Minimum $5.00
VISA Debit Card - Daily Withdrawal Limits
  

          ATMs (5)

$500.00

          VISA merchants (Point of Sale) Personal

$3,000.00

          VISA merchants (Point of Sale) Business

$3,000.00
Wire Transfers
   

          Incoming

$15.00

          Domestic Outgoing

$15.00

          International Outgoing

$25.00

          Phone Notification

$5.00

          E-mail or Fax Notification

$3.00
Written Balance Verification
$10.00
1031 Tax Free Exchange Processing Fee (6)
$100.00
Safe Deposit Boxes (2)
   

          Size (inches)

Price

          3X5

$40.00

          3X10

$65.00
          5X10
$75.00

          10X10

$120.00
          Lost Key
$20.00

          Drilling Cost (a minimum of $100)

Cost

Footnotes
  1. Some ATM owners may impose a fee for the use of their ATMs (often referred to as a "surcharge" or "usage fee"). This fee is disclosed at the time of the transaction and cannot be waived by Gateway Bank. NOTE: most credit unions and Cashpoints™ do not impose surcharges for using their ATM machines.
  2. Based on availability.
  3. Checks for two are available for an additional fee.
  4. Early withdrawals are subject to an early withdrawal penalty fee. For IRAs, distributions prior to age 59.5 may be subject to IRS penalties.
  5. Daily ATM cash withdrawal limit is $500.
  6. Please consult your tax advisor for eligibility.
VISA, MasterCard, STAR, CIRRUS and PLUS are registered trademarks.


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