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Negotiable Items
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| Counter Checks | $1.00 each |
| Cashier's Checks - Customer* | $5.00 each |
| Cashier's Checks - Non-Customer | $15.00 each |
| Gift Checks | $2.50 each |
| International Drafts - Customer | $20.00 each |
| International Drafts - Non-Customer | $25.00 each |
| Check Cashing - Non-Customer** | $10.00 each |
| Travelers Checks for One+ | $1% (ex. $1 per $100) |
| Travelers Checks for Two | $2% (ex. $2 per $100) |
| Health Savings Account (HSA) Transaction++ | $0.50 per transaction |
| Virtual Checking Account Transaction# | $0.50 per check# (in excess of three (3) per monthly statement cycle) |
* No fee with INTRUST Relationship Checking, INTRUST Private Banking Checking,
or INTRUST Money Market Savings accounts with a maximum of three (3) per visit.
**Subject to approval.
+No fee with INTRUST Relationship Checking, INTRUST Private Banking Checking, or INTRUST Money Market Savings accounts.
++Transaction includes check, point of purchase or other electronified check.
#Checks include paper check and teller withdrawal but not an electronified check.
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NSF/Returned Item/ODP/Stop Pay
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| Overdraft/Non-sufficient Funds* |
$35.00 each
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Overdraft Protection Transfer
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$10.00 per transfer from Transfer Account
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| Reclear Item | $3.50 per item |
| Returned Deposit Item - Domestic | $5.00 each |
| Returned Deposit Item - Foreign | $10.00 each |
| Special Instructions - Reclear Item/Returned Deposit Item (Domestic or Foreign) | $16.00 each |
| Stop Payment |
$35.00 each
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| Collection Item - Domestic** | $25.00 each |
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Collection Item - Foreign**
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$30 each (minimum amount of collection $50.00)
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| Continuous Overdraft+ |
$5.00 per business day beginning on the 10th
consecutive calendar day overdrawn
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* Transactions may not be processed in the order which they
occurred. Order of processing can affect the total amount of overdraft fees.
A fee may be imposed for covering overdrafts created by check, in-person withdrawal, or other electronic means. No fee will be imposed for ATM or one-time debit card transactions unless you have agreed to such fee.
** Paying Bank may assess an additional fee.
+ No fee will be imposed for ATM or one-time debit card transactions unless you have agreed to such fee.
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Statements/Safekeeping Items
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| Special Statement | $5.00 each |
| Statement Copy (last 3 months) | $3.00 per statement |
| Safekeeping Copies (after 12 per year) | $1.00 each |
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ATM/Check Card
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Non-INTRUST ATM Transaction*
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$2.00 per transaction**
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| Non-U.S. Transaction | Fee varies+ |
| Lost/Stolen Health Savings Account (HSA) Debit Card Replacement | $12.50 per card |
| Health Savings Account (HSA) Debit Card Usage | |
| POS using signature | No charge |
| POS using PIN | $0.50 per transaction |
| Health Savings Account (HSA) Merchant Receipt Copy | $5.00 per copy |
* The owner of the ATM may assess an additional fee.
** Transaction includes balance inquiry.
+ There are two instances which will trigger a foreign transaction fee. (1) A fee will be assessed on all transactions where the merchant country differs from the country of the card issuer; and (2) If you make a transaction in currency other than U.S. dollars, Visa® will convert the charge or credit into a U.S. dollar amount. The exchange rate on the processing date may differ from the rate on the date of your transaction. Visa uses an exchange rate of either: (a) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or (b) a government-mandated rate in effect for the applicable processing date. In each instance, the exchange rate is increased by an adjustment factor determined by the issuer. The adjustment factor, which is subject to change without notice, is currently 3% of the U.S. dollar amount, of which Bank receives 2% and Visa receives 1%.
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Depository Bags
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| Lock Bag with one Night Depository Key |
$35.00 large bag
$25.00 small bag
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| Night Depository Key | $5.00 each |
| Zipper Bag | $5.00 each |
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Transfers
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| Automated Telephone Transfer | No charge |
| Telephone Transfer with Representative | $8.00 per transfer |
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Wire Transfer Fees
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| Domestic: | |
| Incoming - Customer | $15.50 each |
| Outgoing - Customer | $18.00 each |
| Non-Customer | $30.00 each |
| International: | |
| Incoming - Customer | $15.50 each |
| Outgoing - Customer | |
| U.S. Dollar | $30.00 each |
| Foreign Currency | $20.00 each |
| Non-Customer under $3,000 | |
| Incoming | $15.50 each |
| Outgoing | |
| U.S. Dollar | $30.00 each |
| Foreign Currency | $20.00 each |
| Non-Customer $3,000 and over | $50.00 each |
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Other Fees
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| Telephone Payment w/Representative |
$8.00 per payment
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International ACH Transaction – Received
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$1.00 per item
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| Backup Withholding |
$5.00 origination
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| Record Research |
$35.00 per hour,
$1.00 per page
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| Garnishment | $10.00 each |
| Levy | $50.00 each |
| Check Printing Charge | Prices vary |
| Foreign Currency Buyback Guarantee | $5.00 each |
| Foreign Check Deposit |
$4.00 per item
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| Signature Guarantee | $5.00 each |
| Medallion Guarantee | $10.00 each |
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Individual Retirement Account (IRA) Fees
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Withdrawal prior to maturity to other institutions
(for any withdrawal which will be rolled over or transferred into another institution) |
$25.00 each*
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Withdrawal prior to maturity and transferred to other INTRUST retirement accounts
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$30.00 each**
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Withdrawal of excess contribution
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$25.00 each+
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* On Money Market IRAs, this fee is assessed only during the first three (3) years the account is open.
** Depositor may make one early withdrawal to obtain a higher rate on an INTRUST Bank investment per calendar year with no fee. If you are under 59 ½, the early withdrawal penalty will also be assessed. Please refer to the Truth in Savings Disclosure for Personal Accounts for additional information.
+ This fee applies for anyone wishing to correct an excess contribution under the following circumstances: (1) the withdrawal of unwanted non-deductible contributions is treated as excess contributions and involves withdrawing the "excess-plus the earnings attributed to the excess"; (2) amounts rolled over from a pension or profit-sharing plan that were not eligible; and (3) excess contributions and/or deferral contributions under SEP plans.
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Health Savings Account (HSA) Fees
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| Account Set Up | $15.00 per account |
| Close Account | $20.00 per account |
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Automatic Contribution
| No Charge |
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Excess Contribution Withdrawal
| $20.00 each |
| Additional Copy of 1099 or 5498 Form | $2.00 per page |
| Corrected IRS filing (non bank error) | $2.00 each |
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OnLine Banking Services
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| OnLine Bill Pay* | $4.95 per month (Includes 20 bill payments, additional payments $0.30 each) |
| OnLine Transfer | No Monthly Fee |
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*No fee with INTRUST Relationship Checking, INTRUST Virtual Checking, or INTRUST
Private Banking Checking accounts;
includes 20 bill payments, additional payments $0.30 each.
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| Other Electronic Services | |
| Quicken® Banking | $5.00 per month (Includes 10 bill payments, additional bill payments $0.50 each) |
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Quickbooks®
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$10.00 per month (Includes 20 bill payments, additional bill payments $0.50 each)
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