Phone: (573) 778-1800
Deposit Account Disclosures - Effective April 1, 2013
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:
Early Account Closing
Overdraft/Insufficient Funds/Returned Checks
A Non-Sufficient Funds item may include, but is not limited to a check, in- person withdrawal, ATM withdrawal, a check card transaction, an ACH debit or any other electronic transaction.
- Insufficient fee paid item $20.00 per item
- Insufficient fee returned item $20.00 per item
- Deposited checks returned unpaid $5.00 per item
- Returned deposited items (reclear) $.50 each
- Returned deposited item special handling $20.00 per item
- Reproduction of statement $1.00 each
- Check copy (5 checks FREE per six-month period without Check Safekeeping program.) $2.00
- Statement reconciliation $15.00 per hour/$5.00 minimum charge
- Account inquiries by phone $2.00 (after 5 per statement cycle)
- Stop payment $20.00 per item (Online Bill Pay stop payment - see below)
- ATM Card Charges Transactions at ATMs we own or operate: FREE
- Transactions at foreign ATMs $1.00 per transaction
- Balance Inquiry at foreign ATM $.50.
- Issue of replacement card $5.00
- Bill Pay $6.95 per month
- Incoming Wire Transfers $10.00 each
- Outgoing Wire Transfers $15.00 each
- International Wire Transfers (Incoming or Outgoing) $35.00 each
- Savings Account Fee if average daily balance is less than $1,000 is $2.00 per month (Savings account is dormant if there are no deposits or withdrawals for 24 months).
- Transaction Account Fee if average daily balance is less than $1,000 is $5.00 per month (Transaction accounts are dormant if there are no deposits or withdrawals for 12 months).
Please note that you must notify us of any error within 60 days of your most recent statement. Fees subject to change at discretion of bank.