Disclosures

Funds Availability Disclosure

Your Ability to Withdraw Funds

Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit on a non-business day or on a day or at a time we are not open, we will consider that the deposit was made on the next business day we are open.

Longer Delays May Apply

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit.

If we are not going to make all of the funds from your deposit available on the first business day after we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid.
You deposit checks totaling more than $5,525 on any one day.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Special Rules for New Accounts If you are a new customer, the following special rules may apply during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, travelers’, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. Rev. 03/25

USA Patriot Act

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Fee Schedule

Service Charge	Fee
Service Charge Overdraft Fee	Fee $30
Service Charge Nonsufficient Funds (NSF) Fee	Fee $30
Service Charge Consecutive Day Overdraft Charge (For consecutive days, every 7th calendar day.)	Fee $15
Service Charge Stop Item Charge	Fee $30
Service Charge Early Account Closing Fee	Fee $20
Service Charge Account Reopening Fee	Fee $10
Service Charge Dormant Account Fee	Fee $2 per month
Service Charge Check Copy Fee	Fee $5 each
Service Charge Statement Copy Fee	Fee $5 each
Service Charge Printed and Mailed Statement (for accounts that require eStatements)	Fee $6 each
Service Charge Transcript Statement Fee	Fee $2 each
Service Charge Account Balancing Fee	Fee $15 for 3 months
Service Charge Research Time Fee	Fee $30 per hour
Service Charge Levy/Garnishment Fee	Fee $40 + out-of-pocket expenses
Service Charge Personal Money Order Fee	Fee $3 each
Service Charge Bank Money Order Fee	Fee $5 each
Service Charge Cashier's Check Fee	Fee $5 each
Service Charge Certified Check Fee	Fee $30
Service Charge Outgoing Wire Fee	Fee $25
Service Charge Incoming Wire Fee	Fee $20
Service Charge International Outgoing Wire Fee	Fee $45
Service Charge Foreign Draft Fee	Fee $30
Service Charge Foreign Currency Order Fee	Fee $20 per order
Service Charge Telephone Transfer Fee	Fee $3
Service Charge Counter Check Fee (limit 10)	Fee $3 each
Service Charge ATM/Debit Card Replacement Fee	Fee $10
Service Charge Lost Night Drop Key Fee	Fee $10
Service Charge Photocopy Fee	Fee $0.25 per page
Service Charge Fax Fee (Send and/or Receive)	Fee $2
Service Charge Safe Deposit Box Rental Fee	Fee Prices Vary

Non-Customer Fee Schedule	Fee
Non-Customer Fee Schedule Check Cashing (Limitations Apply)	Fee $5
Non-Customer Fee Schedule Change Order	Fee 1% of order
Non-Customer Fee Schedule Coin Counting	Fee 3% of the amount if over $50
Non-Customer Fee Schedule Photocopy Fee	Fee $0.25 per page
Non-Customer Fee Schedule Fax Fee (Send and/or Receive)	Fee $2

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Disclosures

Fee Schedule