BUSINESS CHECKING ACCOUNT DEFINITIONS

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "BUSINESS CHECKING ACCOUNT DEFINITIONS"

Transcription

1

2 ABILITY TO WITHDRAW FUNDS The following disclosure is provided pursuant to the Expedited Funds Availability Act and Regulation CC. 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 4:00 P.M. 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 after 4:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit at an ATM before 6:00 p.m. 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 at an ATM after 6:00 p.m. or on a day we are not open, we will consider that 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. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $200 of your deposits will be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business day, 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 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 $5,000 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 will apply during the first thirty (30) days your account is open. 1) Funds from electronic direct deposits to your account will be available on the day we receive the deposit. 2) Funds from deposits of cash, wire transfers, and the first $5,000 of a day s total deposits of cashier s, certified, teller s, traveler s, 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 $5,000 will be available on the seventh 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 $5,000 will not be available until the second business day after the day of your deposit. 3) Funds from all other check deposits will be available on the seventh business day after the day of your deposit. Deposits At Automated Teller Machines Funds from any deposits (cash or checks) made at any automated teller machines (ATMs) we do not own or operate may not be available until the second business day after the day of your deposit. This rule does not apply at ATMs that we own and operate. Please see a Customer Service Representative for a complete listing of our ATMs. TeleCHIEF Phone Banking echief Internet Banking echief Bill Payment Mobile Banking QuickBooks Interface ecorp & ecapture Electronic Banking Options for all account types. for all account types. 3 Months ; $4.95 each month thereafter; Not available with MMDA Checking and Savings Accounts. Now you can access your Blackhawk Bank & Trust accounts securely and quickly with echief Mobile! View account balances & history Make transfers Safely manage your accounts anytime, anywhere QuickBooks will allow: No manual data entry Automatically reconcile by date No duplicate transactions Easy to use - Web Connect files may be automatically opened by QuickBooks directly from the Blackhawk Bank & Trust echief Internet Banking site, which eliminates the need for you to search for files that have been downloaded. Automatic account setup Available to Business and Small Business Checking accounts. Use ecorp to manage your business needs featuring direct deposit, ACH processing, wire transfers and more. ecapture is a Remote Deposit Capture feature of ecorp designed to electronically capture and deposit checks into Blackhawk Bank & Trust Ask for more information today! BUSINESS CHECKING ACCOUNT DEFINITIONS Minimum deposit to open account: $ AVERAGE BALANCE: the average daily balance of your account FLOAT: when foreign checks (checks not drawn on our bank) are deposited, time is needed to collect these checks before the money is available for withdrawal. The average time needed for collection is presently one (1) day after the date of deposit. AVERAGE FLOAT: The daily average of deposits in the process of collection. RESERVE: All banks are required to maintain non-interest bearing reserves against their demand deposits (customer checking accounts). CREDIT: An earnings credit is used to offset the basic service charge. The rate (presently 1.00% per annum) is calculated on the average available balance. The rate is subject to change. If a customer has a negative available balance, they will be charged the earnings credit rate plus 3% for the days when the available balance is negative. BASIC SERVICE CHARGE: This is the charge assessed for handling your account if your credit is not sufficient to pay the entire service charge assessed. Items used to compute the Total Monthly Charges Checks deposited not drawn on us $0.08 each Checks written on the account $0.10 each Monthly account maintenance fee $5.00 per month Interest is not paid on the Business Checking Account The Monthly Service Charge is calculated by comparing the total monthly Credit against the total monthly Charges. The difference may or may not result in a charge to the customer. If the total Credit exceeds the total Charges, then no service fee is assessed for the month. Conversely, if the total Charges are greater than the total Credit, then the monthly service charge equals the difference between the two figures. (Please refer to the following examples for a further illustration of our service charge calculation).

3 Business & Corporate Products Availability Business Checking Small Business Checking NOW Checking SuperNOW Checking MMDA Checking Savings Account Available to non-profits, municipalities & sole proprietorships. Not Available to Businesses. Available to non-profits, municipalities & sole proprietorships. Not Available to Businesses. Minimum Opening Deposit $ $1.00 $ $2, $2, $ Monthly Maintenance Fee $5.00 None None None None None If the total earnings credit exceeds the total charge against the account for the month, there None $5 plus $0.10 for each check written (charged if your balance falls $5 plus $0.10 for each check written (charged if your minimum daily $5 (charged if your minimum daily balance for the monthly statement $5 per quarter (charged if your balance falls below $100 any day of Service Fee is no monthly fee. If the total charges against the below $500 any day of the month or the balance for the monthly cycle falls below $2,500). the quarter). account for the month exceeds the earnings credit, average daily balance must be $1,500 for statement cycle falls below $2,500). then the monthly service charge assessed is the the monthly statement cycle). difference between the two amounts. Balance Required to Waive Service Fee Per Debit Charge This fee is calculated by comparing the total monthly credit against the total monthly charges. The difference may or may not result in a charge to the customer. $0.10 per check written (including but not limited to each check, ATM withdrawal, debit memo, ACH or POS withdrawal). $1.00 minimum balance to keep account open. The minimum daily balance must be over $500 or the average daily balance must be $1,500 for the monthly statement cycle. $2,500 $2,500 $100 None if within allowed limitations. None if within allowed limitations. None if within allowed limitations. None if within allowed limitations. None if within allowed limitations. Per Deposit Charge None None None None None None Per Deposit Item Charge $0.08 each item not drawn on us. None if within allowed limitations. None None None None Per Check $4.50 (this fee does not apply to $4.50 (this fee does not apply to None None None None Returned Unpaid non-profits & municipalities). non-profits & municipalities). Interest Paid on Balances Not applicable Not applicable. Monthly; Variable Rate Monthly; Variable Rate Monthly: Variable Rate; Tiered Quarterly; Variable Rate Interest Accrual Method Not applicable Not applicable. Daily (365/365) Daily (365/365) Daily (365/365) Daily (365/365) Compounding Frequency Interest is not paid on this account. Interest is not paid on this account. Monthly Monthly Monthly Daily Transaction Limits Transaction Fee Dormant Fee Unlimited check writing privileges (subject to the total monthly service charge & earnings credit computation) 200 total transactions including ACH, ATM, POS, checks paid, deposits, and checks deposited. This includes every debit or credit made on the account. Not applicable $0.25 per item in excess of 200 transactions per month. $3.00 monthly after 12 months of no activity. $3.00 monthly after 12 months of no activity. Unlimited check writing privileges Unlimited check writing privileges 6 pre-authorized transfers, withdrawals, checks or a combination of such per monthly statement cycle. There is no transaction fee if the required minimum balance is maintained. (see service charge) $500 after 12 months of no activity. No charge if minimum balance is met. There is no transaction fee if the required minimum balance is maintained. (see service charge) $2,500 after 12 months of no activity. No charge if minimum balance is met. $5.00 fee per transaction if more than 6 transfers, withdrawals, checks or a combination of such transactions are made during the monthly statement cycle. $2,500. No charge if minimum balance is met. 13 withdrawals allowed per quarter. $1.00 per withdrawal; including regular withdrawals, ATM transactions, debit memo, ACH or POS withdrawal in excess of 13 per quarter. $2.00 after 2 years of no activity if the minimum balance is less than $100. CHIEFChek Debit Card & THE CHIEF ATM Card Debit card holders will be assessed a charge of $0.10 for each debit transaction. Available to Sole Proprietorships with a Available to Sole Proprietorships with a ATM card only available. Check Printing Fee Varies with check style. A $5 fee applies for single part deposit slips for all Business checking accounts Kit Not available. Images Available to all checking account types. Front only check images available. Not applicable. NSF Paid Item or Returned Item Fee $29.00 each, Max of 4 paid and/or returned item fees. (Fee applies to Business, Small Business, NOW, SuperNOW and MMDA Checking Accounts) Not applicable. ATM Fees 3 Free foreign transactions per month, then $1.00 each; (Fee applies to Business, Small Business, NOW, SuperNOW and MMDA Checking Accounts) 9 free foreign transactions per quarter, then $1.00 each. Overdraft Loan: Available to any business account owner. Line of Credit, $60.00 annual fee; $5.00 access fee. Transfers will be in increments of $100. May be attached to any checking account type % Annual Percentage Rate (APR); $50 minimum monthly payment. Cash Management Account: Available to any business account owner. Min. deposit to open account is $50,000; Monthly maintenance fee is $75, which can be billed monthly, annually or offset by a compensating balance. Account earns interest. Please consult a Commercial Loan Officer for details.

4 Example #1: This is an illustration of a typical Business Checking Account where the monthly credit is greater than the total charges to the account. No service charge would be assessed. Average Balance $50,000 Less: Average Float ($3,000) Equals: Average Collected Balance $47,000 Less: Reserve (10%) ($4,700) Equals: Average Available Balance $42,300 TOTAL CREDIT = Average Available Balance ($42,300) calculated by the credit percentage (presently 1.00%) = $35.25 Charges Items Cost Total Foreign checks deposited 300 $0.08 ea. $24 Plus: Checks on us 60 $0.10 ea. $6 Plus: Monthly Account $5.00 $5 Maintenance Fee Equals: TOTAL CHARGES $35 No service charge would be assessed. Monthly credit ($35.25) is greater than total charges ($35.00) Example #2 This is an illustration of a typical Business Checking Account where the total charges to the account exceed the monthly credit. The difference between the two figures is the Service Charge that would be assessed to the account. Average Balance $10,000 Less: Average Float ($3,000) Equals: Average Collected Balance $7,000 Less: Reserve (10%) ($700) Equals: Average Available Balance $6,300 TOTAL CREDIT = Average Available Balance ($6,300) calculated by the credit percentage (presently 1.00%) = $5.25 Charges Items Cost Total Foreign checks deposited 100 $0.08 ea. $8 Plus: Checks on us 30 $0.10 ea. $3 Plus: Monthly Account $5.00 $5 Maintenance Fee Equals: TOTAL CHARGES $16 A $10.75 service charge would be assessed. Total charges ($16.00) are greater than monthly credit ($5.25) FEE SCHEDULE Account transfer by phone (performed by a bank Teller or CSR) Account transfer by TeleCHIEF Phone Banking or echief Internet Banking Balancing customers checkbook $ Months: Over 2 Months: $20.00 per hour Canadian item fee Per item: $5.00 Cashier s check Customer: $3.00 Checks deposited returned unpaid Per check: $4.50 Dormant Savings Account Fee $2.00 per quarter inactive for two (2) years. Dormant Checking Account Fee Applicable when account is inactive for twelve (12) months. Non-interest bearing checking accounts: $2.00 per month if balance falls between $ and $ $3.00 per month if balance falls below $ All other no minimum balance checking accounts: $3 per month Interest bearing checking accounts: $5.00 per month if monthly minimum balance is not maintained. (Minimum balance requirements shown in graph) Business accounts/free Small Business is $3.00 monthly regardless of balance after 12 months of no activity. Duplicating services Per copy: $0.25 Facsimile services First page: $5.00 Each additional page: $1.00 Hard copy statement printout Each page: $1.00 Incoming collections $15.00 echief Internet Banking Basic Services: echief Internet Banking Bill Pay (not available to MMDA checking and Savings Account holders) Electronic image inquiries via echief Internet Banking estatements First 3 months: Over 3 months: $4.95 per month; unlimited payments EDI monthly fee $10.00 License Plate renewal sticker Per sticker: $5.50 Microfilm search Per hour: $20.00 Per copy: $2.00 Minimum charge: $20.00 Money Orders (customers only) $2.00 Night depository bag with lock Initial cost: $10.00 Yearly fee for first bag: $6.00 Yearly fee for each additional bag: $4.00 NSF paid item fee (max. 4 per day) Per item: $29.00 NSF returned item fee (max. 4 per day) Per item: $29.00 FEE SCHEDULE Processing of Levies or Garnishments $30.00 Purchase of Treasury Bills or Notes At market: $70.00 At auction: $35.00 Safe Deposit Boxes Dimensions Annual Rental Rate 3 x 5 x 22 $ x 5 x 22 $ x 5 x 22 $ x 10 x 22 $ x 10 x 22 $ x 10 x 22 $70.00 Safe Deposit Box late fee* $10.00 *overdue/delinquent safe deposit box rental accounts 30 days or more past due will be charged a $10.00 one (1) time fee per year. Safe Deposit Box lost keys Per key: $30.00 Safe Deposit Box Drilling Cost of Drilling Special statement $5.00 Stop Payment request: with information Stop Payment request: without information Per request: $29.00 Per request: $34.00 Visa Travel Cards Per card: $5.00 Minimum Load: $ Maximum Load: $5, Visa Gift Cards Per card: $3.00 Minimum Load: $10.00 Maximum Load: $ Wire Transfer: Domestic Incoming Customer: Non-customer: $12.00 Wire Transfer: Domestic Outgoing $20.00 Wire Transfer: Foreign/International $57.00 Zipper/Velcro bag First bag: Each additional bag: $3.00 Service fee for any account closed within sixty (60) days of opening: $ This fee is assessed as a hold on your account and will reduce your available account balance. A NSF fee applies to overdrafts created by check, in-person withdrawal or other electronic means. VISA Credit Cards and Overdraft Protection services are available. Please ask a Customer Service Representative for details and related fees on those products and services. Fees charged to Iowa customers will be subject to state and local sales tax. Rates effective as of 10/01/2012

5

This account features unlimited check writing, no monthly service fee and no minimum balance. $50 minimum deposit to open.

This account features unlimited check writing, no monthly service fee and no minimum balance. $50 minimum deposit to open. Truth in Savings Click here for checking account rates Understanding Your Deposit Account America s Best Free Checking This account features unlimited check writing, no monthly service fee and no minimum

More information

DEPOSIT ACCOUNT DISCLOSURE

DEPOSIT ACCOUNT DISCLOSURE DEPOSIT ACCOUNT DISCLOSURE FIRST NATIONAL BANK OF LAYTON Main Office P.O. Box 248 12 South Main Street Layton, UT 84041 February 18, 2015 Thank you for your interest in a First National Bank of Layton

More information

DEPOSIT ACCOUNT AGREEMENT

DEPOSIT ACCOUNT AGREEMENT DEPOSIT ACCOUNT AGREEMENT All America Bank P.O. Box 300 Mustang, OK 73064 November 17, 2015 This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

More information

Funds Availability Policy

Funds Availability Policy Your Ability to Withdraw Funds at Midwest Heritage Bank, FSB Funds Availability Policy Our policy is to make funds from your cash and check deposits available to you on the next business day. However,

More information

Electronic Fund Transfers Initiated By Third Parties. Preauthorized credits. Preauthorized payments. Electronic check conversion.

Electronic Fund Transfers Initiated By Third Parties. Preauthorized credits. Preauthorized payments. Electronic check conversion. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and

More information

Disclosure of Account Terms

Disclosure of Account Terms Disclosure of Account Terms Account Type Min. to open Daily Min Balance to obtain yield Basic Checking $0 N/A Choice Checking $0 N/A Premium Checking $0 N/A Statement Savings, Holiday Clubs $50 $300-24,999

More information

maintain a minimum balance of $750.00 in the account each day to obtain the disclosed annual percentage yield.

maintain a minimum balance of $750.00 in the account each day to obtain the disclosed annual percentage yield. MASTER DISCLOSURE 1 ALLIANCE BANK COCHRANE BRANCH 103 S. MAIN STREET P.O. BOX 69 COCHRANE, WI 54622-0069 October 2, 2015 This disclosure contains information about terms, fees, and interest rates for some

More information

Insight into Your Checking and Savings Accounts

Insight into Your Checking and Savings Accounts Insight into Your Checking and Savings s Not everyone uses checking and savings accounts the same way. That is why we offer you a variety of options designed to meet your individual financial management

More information

Small Business Account Services and Prices Schedule. Illinois, Indiana, Michigan, Wisconsin

Small Business Account Services and Prices Schedule. Illinois, Indiana, Michigan, Wisconsin Small Business Account Services and Prices Schedule Illinois, Indiana, Michigan, Wisconsin Effective August 3, 2015 TABLE OF CONTENTS SERVICES AND FEES...1 Overdraft and Returned Item NSF...1 Online Banking...1

More information

Truth in Savings Disclosure

Truth in Savings Disclosure Truth in Savings Disclosure October 2011 This Truth in Savings Disclosure booklet includes information you need to know about deposit accounts at Crossroads Bank. It notes all the features and requirements

More information

Small Business Account Services and Prices Schedule. Arizona

Small Business Account Services and Prices Schedule. Arizona Small Business Account Services and Prices Schedule Arizona Effective August 3, 2015 TABLE OF CONTENTS SERVICES AND FEES...1 Overdraft and Returned Item NSF...1 Online Banking...1 ATM, Debit and Charge

More information

TRUTH IN SAVINGS DISCLOSURE

TRUTH IN SAVINGS DISCLOSURE TRUTH IN SAVINGS DISCLOSURE These are the accounts you have opened or inquired about. Further details about these accounts are included with this information. E-CONOMY CHECKING Activity fee: ELECTRONIC

More information

BUSINESS ACCOUNTS DISCLOSURE

BUSINESS ACCOUNTS DISCLOSURE BUSINESS ACCOUNTS DISCLOSURE Prime Alliance Bank Main Office 1868 So. 500 West Woods Cross, UT 84087 April 14, 2014 This disclosure contains information about terms, fees, and interest rates for some of

More information

Account Service Charges And Fees Schedule

Account Service Charges And Fees Schedule Account Service Charges And Fees Schedule Effective October 1, 2011 www.communitybankiowa.com Account Service Charges Consumer Accounts Checking Account Minimum Balance to Open $100.00 Monthly minimum

More information

TRUTH-IN-SAVINGS DISCLOSURE Refer to our current product and rate sheet for applicable tiers and rates.

TRUTH-IN-SAVINGS DISCLOSURE Refer to our current product and rate sheet for applicable tiers and rates. TRUTH-IN-SAVINGS DISCLOSURE Refer to our current product and rate sheet for applicable tiers and rates. NOTICE OF CHANGE - Effective April 4, 2016 your account(s) shall be governed by the following terms

More information

Fee Schedule for Business Accounts A Guide to Your Webster Account

Fee Schedule for Business Accounts A Guide to Your Webster Account Fee Schedule for Business Accounts A Guide to Your Webster Account At Webster, we re committed to helping you find the right account to meet your needs. We ve prepared the following Account Guide to make

More information

Getting to know your Account the basics

Getting to know your Account the basics This Deposit Account Disclosure and Bank Fee Schedule and the Deposit Account Agreement for Personal and Business Accounts ( Agreement ) are part of the Deposit Account Agreement that governs your Account

More information

PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING

PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING Account Opening and Usage Sterling Eagle & Club Sterling TM Eagle Checking Minimum balance to open account: $500 Monthly average balance to avoid fee: $500

More information

& Truth in Savings. www.traditionalbank.com. Account Information Fees Funds Availability Disclosure Electronic Funds Transfer Disclosure

& Truth in Savings. www.traditionalbank.com. Account Information Fees Funds Availability Disclosure Electronic Funds Transfer Disclosure Mount Sterling Main Bank................. (859) 498-0414 49 West Main Street P.O. Box 326, Mt. Sterling, KY 40353 Montgomery Square........... (859) 498-8820 1378 Indian Mound Drive Maysville Road..............

More information

PERSONAL PRODUCTS - ONLINE ACCOUNT OPENING AND WEBSITE

PERSONAL PRODUCTS - ONLINE ACCOUNT OPENING AND WEBSITE PERSONAL PRODUCTS - ONLINE ACCOUNT OPENING AND WEBSITE Community Bank and Trust of Florida P.O. Box 1570 Ocala, FL 34478 Welcome to Community Bank and Trust of Florida. The following disclosures are included

More information

CHANGE OF TERMS NOTICE TO ALL CUSTOMERS

CHANGE OF TERMS NOTICE TO ALL CUSTOMERS CHANGE OF TERMS NOTICE TO ALL CUSTOMERS This Change of Terms Notice to all Customers consists of four parts. Part I applies only to Consumer Deposit Account customers; Part II applies only to Ease by Bank

More information

Managing Your Checking Account

Managing Your Checking Account Managing Your Checking Account People you trust. Advice that works. Member FDIC trustmark.com Keeping in Check Avoid unnecessary fees by staying in control of your checking account. 1. Record all transactions

More information

Schedule of Fees & Service Charges

Schedule of Fees & Service Charges Schedule of Fees & Service Charges September 30 th, 2015 Domestic Deposit Accounts Service Charge Basic Interest Choice Personal IFB Senior Citizen Direct Deposit Market Market Tiered Personal Savings

More information

HIGH YIELD CHECKING. EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services.

HIGH YIELD CHECKING. EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services. EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services. KEY ACCOUNT TERMS AND CHARGES: Monthly Service Charge: No monthly service charge. Includes free

More information

DEPOSIT ACCOUNT AGREEMENT AND REGULATORY DISCLOSURE Contents Branch Locations... 3 Customer Identification Program... 3 Important Information about

DEPOSIT ACCOUNT AGREEMENT AND REGULATORY DISCLOSURE Contents Branch Locations... 3 Customer Identification Program... 3 Important Information about DEPOSIT ACCOUNT AGREEMENT AND REGULATORY DISCLOSURE Contents Branch Locations... 3 Customer Identification Program... 3 Important Information about Procedures for Opening a New Account... 3 Customer Information...

More information

A GUIDE TO YOUR ACCOUNT

A GUIDE TO YOUR ACCOUNT Checking Accounts A GUIDE TO YOUR ACCOUNT It is important that you understand exactly how your Heartland Checking account works! We have created this Guide to explain key fees and terms of your personal

More information

Account Disclosures and Rules &Regulations

Account Disclosures and Rules &Regulations P E R S O N A L B A N K I N G Account Disclosures and Rules &Regulations Funds Availability Disclosure This disclosure contains important information about your account. Save it for future reference. Please

More information

Webster Opportunity Checking. $16.95 (or $11.95 with Direct Deposit 2 )

Webster Opportunity Checking. $16.95 (or $11.95 with Direct Deposit 2 ) Fee Schedule for Consumer Accounts A Guide to Your Account At, we re committed to helping you find the right account to meet your needs. We ve prepared the following Account Guide to make sure you understand

More information

Fee Schedule: Personal Products & Services

Fee Schedule: Personal Products & Services Fee Schedule: Personal Products & Services California Georgia Tennessee October 1, 2014 For use with Account Agreement and Disclosures An Important Message Effective October 1, 2015, we will make changes

More information

Monthly Service Charge: $8.95 Includes free Debit Cards, usage of Capital One Bank image-enabled ATMs, and access to our extensive Branch Network.

Monthly Service Charge: $8.95 Includes free Debit Cards, usage of Capital One Bank image-enabled ATMs, and access to our extensive Branch Network. EXPLANATION OF VARIOUS KEY SERVICES AND CHARGES Here are some details about Regular Checking services. KEY ACCOUNT TERMS AND CHARGES: Monthly Service $8.95 Includes free Debit Cards, usage of Capital One

More information

Regulation CC Your Ability to Withdraw funds

Regulation CC Your Ability to Withdraw funds Important Member Information: Regulation CC Your Ability to Withdraw funds Availability of funds you deposit in your account Like most financial institutions, our policy is to delay the availability of

More information

Fee Schedule: Personal Products & Services

Fee Schedule: Personal Products & Services Fee Schedule: Personal Products & Services New York October 1, 2015 For use with Account Agreement and Disclosures Fee Schedule: Personal Products & Services Please see page 11-12 for explanation of all

More information

Truth-in-Savings Disclosures Retail Checking & Savings Accounts Effective April 17, 2015

Truth-in-Savings Disclosures Retail Checking & Savings Accounts Effective April 17, 2015 This disclosure contains information about your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the

More information

BestBank Business Account Disclosure The information described is accurate as of September 1, 2015. Member FDIC

BestBank Business Account Disclosure The information described is accurate as of September 1, 2015. Member FDIC BestBank Business Account Disclosure The information described is accurate as of September 1, 2015. Member FDIC Disclosures Regarding Electronic Wholesale Credit Transactions Subject to Uniform Commercial

More information

Webster Opportunity Checking. $16.95 (or $11.95 with Direct Deposit 2 )

Webster Opportunity Checking. $16.95 (or $11.95 with Direct Deposit 2 ) Fee Schedule for Consumer Accounts A Guide to Your Account At, we re committed to helping you find the right account to meet your needs. We ve prepared the following Account Guide to make sure you understand

More information

Conversion Guidebook IMPORTANT INFORMATION REGARDING CHANGES TO YOUR ACCOUNTS TERMS AND SERVICES FOR CUSTOMERS OF 1ST BANK

Conversion Guidebook IMPORTANT INFORMATION REGARDING CHANGES TO YOUR ACCOUNTS TERMS AND SERVICES FOR CUSTOMERS OF 1ST BANK Conversion Guidebook IMPORTANT INFORMATION REGARDING CHANGES TO YOUR ACCOUNTS TERMS AND SERVICES FOR CUSTOMERS OF 1ST BANK TABLE OF CONTENTS Table of Contents... 2 Welcome Letter... 3 Deposit Accounts...

More information

CHECKING PRODUCTS. A positive balance is required to maintain the account and to prevent it from being automatically closed.

CHECKING PRODUCTS. A positive balance is required to maintain the account and to prevent it from being automatically closed. This disclosure contains information about terms, fees and interest rates for the accounts we offer. Please refer to our rate sheet for additional disclosures. CHECKING PRODUCTS BASIC CHECKING Minimum

More information

Important Information About Systems Conversion

Important Information About Systems Conversion Important Information About Systems Conversion The conversion from American Bank systems will occur over the weekend of April 22-24, 2016. Please read the following important information and instructions.

More information

Your Guide for Personal and Business Banking Services Important Information About Your Accounts

Your Guide for Personal and Business Banking Services Important Information About Your Accounts Your Guide for Personal and Business Banking Services Important Information About Your Accounts At The First and The First of Baldwin County We re all about Community! T hat s why we are joining together

More information

BBVA Compass ClearChoice Money Market

BBVA Compass ClearChoice Money Market BBVA Compass ClearChoice Money Market Account Disclosure - New Mexico Minimum deposit needed to open account $25 Monthly Service Charge $15 Ways to avoid monthly Service Charge Does the account earn interest?

More information

Service Charges and Fees

Service Charges and Fees Service Charges and Fees Service Charges and Fees Content 1. Personal Product Types and Service Charges 2. Personal Banking Service Charges and Fees 3. ATM and Debit Card Transaction Charges 4. Business

More information

Freedom Checking A Guide to Freedom Checking Fees

Freedom Checking A Guide to Freedom Checking Fees Monthly Service Fee Monthly Service Fee: Easy Ways to Avoid the Monthly Service Charge: $8 for accounts with e-statements $10 for accounts with paper statements Maintain a monthly minimum balance of $1,000

More information

TERMS AND CONDITIONS OF YOUR ACCOUNT Effective November 3, 2014

TERMS AND CONDITIONS OF YOUR ACCOUNT Effective November 3, 2014 TERMS AND CONDITIONS OF YOUR ACCOUNT Effective November 3, 2014 AGREEMENT This document, along with any other documents we give you pertaining to your account(s), is a contract that established rules which

More information

BBVA Compass ClearChoice Savings

BBVA Compass ClearChoice Savings BBVA Compass ClearChoice Savings Account Disclosure - Alabama Minimum deposit needed to open account $25 Quarterly Service Charge $15 Ways to avoid quarterly Service Charge (1)Daily Collected Balance of

More information

Fee Schedule: Business Products & Services;

Fee Schedule: Business Products & Services; Fee Schedule: Business Products & Services; Account Analysis for Personal and Business Accounts California Georgia Tennessee October 1, 2015 For use with Account Agreement and Disclosures Fee Schedule:

More information

California. Business Account Addenda

California. Business Account Addenda California Business Account Addenda Business Account Fee And Information Schedule Addenda Simple Business Checking Pricing Change, Effective April, 206 IOLTA/RETA Pricing Change, Effective April, 206 Wire

More information

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule (Effective August 20, 2015) REGIONS CHECKING With any Regions checking account, you get extra services to make banking

More information

Important Information About Your Certificate of Deposit, Retirement Account, & Coverdell Education Savings Account (CESA)

Important Information About Your Certificate of Deposit, Retirement Account, & Coverdell Education Savings Account (CESA) Truth In Savings Important Information About Your Certificate of Deposit, Retirement Account, & Coverdell Education Savings Account (CESA) Your Account- Rate Information These are the accounts you have

More information

Deposit Account Services and Prices Schedule

Deposit Account Services and Prices Schedule Deposit Account Services and Prices Schedule Illinois, Indiana, Michigan, Wisconsin Effective August 3, 2015 Truth-in-Savings Disclosures Electronic Funds Transfer Act Disclosures TABLE OF CONTENTS SERVICES

More information

800.325.2265 stbank.com. Annual Percentage Yield

800.325.2265 stbank.com. Annual Percentage Yield 800.325.2265 stbank.com S&T Bank Deposit Rates (Effective February 3, 2016 through February 9, 2016) Growth/Income CD Time Deposits Available for amounts up to $500,000 Opening Balance (Please see Footnote

More information

PERSONAL SAVINGS AND MONEY MARKET ACCOUNT DISCLOSURE

PERSONAL SAVINGS AND MONEY MARKET ACCOUNT DISCLOSURE PERSONAL SAVINGS AND MONEY MARKET ACCOUNT DISCLOSURE First Avenue National Bank Main Office 910 SW 1st Avenue Ocala, FL 34471 Thank you for choosing First Avenue National Bank as your financial institution.

More information

Important information will be furnished to you electronically.

Important information will be furnished to you electronically. REQUIRED ONLINE ACCOUNT DISCLOSURES Effective June 1, 2015 Agreement to Receive Electronic Disclosures and Notices Deposit Account Online Disclosures Consumer Products & Services Pricing Guide Please read

More information

FUNDS AVAILABILITY POLICY DISCLOSURE

FUNDS AVAILABILITY POLICY DISCLOSURE FUNDS AVAILABILITY POLICY DISCLOSURE YOUR ABILITY TO WITHDRAW FUNDS AT BLUE RIDGE BANK AND TRUST CO. Our policy is to make funds from your cash and check deposits available to you on the same business

More information

Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY) Not Applicable Not Applicable Not Applicable. Not Applicable.

Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield (APY) Not Applicable Not Applicable Not Applicable. Not Applicable. It s important that you understand exactly how your Basic Banking checking account works. We ve created this summary to explain the fees and some key terms of your account. ELIGIBILITY The Basic Banking

More information

TRUTH IN SAVINGS DISCLOSURE

TRUTH IN SAVINGS DISCLOSURE TRUTH IN SAVINGS DISCLOSURE TABLE OF CONTENTS TERMS AND CONDITIONS TRUTH IN SAVINGS DISCLOSURE...... 2 BALANCE COMPUTATION METHODS. 2 DAILY BALANCE METHOD. 2 AVERAGE DAILY BALANCE METHOD. 2 AVAILABLE BALANCE..

More information

Integrity Bank Deposit Rates (Effective October 21, 2015 through October 27, 2015)

Integrity Bank Deposit Rates (Effective October 21, 2015 through October 27, 2015) Integrity Bank Deposit s (Effective October 21, 2015 through October 27, 2015) Growth/Income CD Time Deposits Available for amounts up to $500,000 (Please see Footnote 1 for disclosure.) 7 days to 31 days

More information

Minimum deposit needed to open account $25. Quarterly Service Charge $0. Does the account earn interest? How often will statement be available?

Minimum deposit needed to open account $25. Quarterly Service Charge $0. Does the account earn interest? How often will statement be available? Build My Savings Account Disclosure Arizona With the Build My Savings account from BBVA Compass, you can build an account that makes saving easy for you, and then rewards you for sticking to your plan.

More information

S&T Bank Deposit Rates (Effective September 30, 2015 through October 6, 2015)

S&T Bank Deposit Rates (Effective September 30, 2015 through October 6, 2015) 800.325.2265 stbank.com S&T Bank Deposit s (Effective September 30, 2015 through October 6, 2015) Growth/Income CD Time Deposits Available for amounts up to $500,000 (Please see Footnote 1 for disclosure.)

More information

Annual Consumer Deposit Account Disclosure

Annual Consumer Deposit Account Disclosure Annual Consumer Deposit Account Disclosure March 2014 Banking Services: C H E C K I N G Back 2 Basics Checking Rate information: This account does not earn interest Minimum balance to avoid the imposition

More information

Deposit Account Services and Prices Schedule

Deposit Account Services and Prices Schedule Deposit Account Services and Prices Schedule Illinois, Indiana, Michigan, Wisconsin Effective May 27, 2016 Truth-in-Savings Act Disclosures Electronic Funds Transfer Act Disclosures TABLE OF CONTENTS SERVICES

More information

CHECKING PRODUCTS. A positive balance is required to maintain the account and to prevent it from being automatically closed.

CHECKING PRODUCTS. A positive balance is required to maintain the account and to prevent it from being automatically closed. This disclosure contains information about terms, fees and interest rates for the accounts we offer. Please refer to our rate sheet for additional disclosures. CHECKING PRODUCTS BASIC CHECKING Minimum

More information

Consumer Fee Schedule - Colorado ATM/Debit Card Fees

Consumer Fee Schedule - Colorado ATM/Debit Card Fees ATM Fee (FirstBank ATM) ATM Fee (Non-FirstBank ATM) FirstBank ATM/Visa Debit Card (Per Cardholder) Consumer Fee Schedule - Colorado ATM/Debit Card Fees Overdraft Information & Fees Non-Sufficient Funds

More information

PERSONAL CHECKING ACCOUNT

PERSONAL CHECKING ACCOUNT Bank Services 5100 S. I-35 Svc. Rd. P.O. Box 95329 OKC, OK 73129 OKC, OK 73143 Phone: 405.672.7831 Fax: 405.670.5622 24 Hour Account Information Line: 405-670-0369 Banking Hours: Lobby Mon-Thurs 9:00 5:00

More information

BUSINESS BANKING PRICING SCHEDULE EFFECTIVE MAY 1, 2015

BUSINESS BANKING PRICING SCHEDULE EFFECTIVE MAY 1, 2015 BUSINESS BANKING PRICING SCHEDULE EFFECTIVE MAY 1, 2015 A division of ZB, N.A. AMEGY PREMIER BUSINESS RELATIONSHIP PACKAGE * Monthly package maintenance fee $25.00 Balance requirement to avoid package

More information

Funds Availability Policy Disclosure for Deposit Accounts

Funds Availability Policy Disclosure for Deposit Accounts Funds Availability Policy Disclosure for Deposit Accounts In compliance with the Expedited Funds Availability Act, implemented by Regulation CC, SunTrust Bank s Funds Availability Policy Disclosure provides

More information

Rate and Fee Disclosures

Rate and Fee Disclosures Rate and Fee Disclosures 40 West Century Road Paramus, NJ 07652 PH: 201-599-5500 FX: 201-599-5505 TF: 888-554-2328 www.greateralliance.org This Rate and Fee Disclosure sets forth current conditions, rates,

More information

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule (Effective November 6, 2015) REGIONS CHECKING With any Regions checking account, you get extra services to make banking

More information

Welcome to Bank of the West!

Welcome to Bank of the West! Welcome to Bank of the West! Please keep these important documents with your Deposit Account Disclosure booklet and retain them for future reference. Schedule of Fees and Charges for Personal Deposit Accounts...Page

More information

Service Charges and Fees

Service Charges and Fees Service Charges and Fees 1. Personal Banking Service Charges 1 2. Sabadell Online Banking Service Charges 4 3. Electronic Banking Transaction Charges 5 4. Business Banking Service Charges 7 5. International

More information

Sincerely, John C. Witherspoon President and CEO

Sincerely, John C. Witherspoon President and CEO Welcome to Welcome to the Skowhegan Savings Bank family! As you may have already heard, Skowhegan Savings has reached an agreement to purchase the following 5 Franklin County branches from Camden National

More information

ACCOUNT DISCLOSURES & FEE SCHEDULE PERSONAL BANKING

ACCOUNT DISCLOSURES & FEE SCHEDULE PERSONAL BANKING ACCOUNT DISCLOSURES & FEE SCHEDULE PERSONAL BANKING Information about Our Consumer Deposit Accounts/Disclosure on Account Terms This disclosure describes many important features and terms of our consumer

More information

Business Account Service Fees

Business Account Service Fees For more information talk to a CIBC business advisor visit your nearest branch visit cibc.com/businessbanking call 1 800 465-CIBC (2422) 1 If there is no account activity, a statement may not be produced.

More information

Rate and Fee Disclosures

Rate and Fee Disclosures Rate and Fee Disclosures 40 West Century Road Paramus, NJ 07652 PH: 201-599-5500 FX: 201-599-5505 TF: 888-554-2328 www.greateralliance.org This Rate and Fee Disclosure sets forth current conditions, rates,

More information

COMMERCIAL DEPOSIT ACCOUNT TERMS AND CONDITIONS

COMMERCIAL DEPOSIT ACCOUNT TERMS AND CONDITIONS COMMERCIAL DEPOSIT ACCOUNT TERMS AND CONDITIONS Also for use by FIDUCIARIES WELCOME TO M&T This section includes information about the names and features of your company s deposit accounts at M&T Bank

More information

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. First National Bank of Dublin 825 N Patrick St Dublin, TX 76446 (254)445-4400

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. First National Bank of Dublin 825 N Patrick St Dublin, TX 76446 (254)445-4400 IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from First National Bank of Dublin 825 N Patrick St Dublin, TX 76446 (254)445-4400 REGULAR CHECKING ACCOUNT Minimum balance to open - The minimum balance

More information

SAVINGS SQUARE PRODUCTS

SAVINGS SQUARE PRODUCTS SAVINGS SQUARE PRODUCTS September 18, 2015 Welcome to Kirkpatrick Bank online products! The following account disclosures are being delivered to you electronically as part of an online deposit account

More information

TRUTH IN SAVINGS DISCLOSURE

TRUTH IN SAVINGS DISCLOSURE TRUTH IN SAVINGS DISCLOSURE Effective 2-15-2016 TABLE OF CONTENTS TERMS AND CONDITIONS TRUTH IN SAVINGS DISCLOSURE...... 2 BALANCE COMPUTATION METHODS. 2 DAILY BALANCE METHOD. 2 AVERAGE DAILY BALANCE METHOD.

More information

WELCO M E G U IDEBOO K 1

WELCO M E G U IDEBOO K 1 WELCOME GUIDEBOOK 1 Welcome to Armstrong Bank! We are excited to be joining the River Valley and Northwest Arkansas Communities, and we hope you share in our excitement. At Armstrong Bank, we strive to

More information

Berkshire Bank Disclosure Booklet. Effective March 18, 2013 (Subject to change from time to time and anytime hereafter)

Berkshire Bank Disclosure Booklet. Effective March 18, 2013 (Subject to change from time to time and anytime hereafter) Berkshire Bank Disclosure Booklet Effective March 18, 2013 (Subject to change from time to time and anytime hereafter) Table of Contents: Truth-in-Savings Disclosure (Consumer Accounts Only)... 2-5 Consumer

More information

Account Disclosures Optimum Savings Account Rates and information effective October 1, 2015

Account Disclosures Optimum Savings Account Rates and information effective October 1, 2015 Optimum Savings Account Optimum Savings 2.00 2.00 to 0.24 1.98 to Up to $5,000 $5,000.01 and greater to Avoid $0.00 Other restrictions apply $100.00 Account Maintenance Requirements. To open this product,

More information

Qualification cycle begins on the last day of the previous statement cycle and ends on the last business day before the next cycle ends.

Qualification cycle begins on the last day of the previous statement cycle and ends on the last business day before the next cycle ends. (All rates disclosed are effective as of 08/20/12) Rewards Checking BankAdvantage Checking Investment Checking Statement Savings Rewards Savings Super Saver Savings Blue Chip Money Market Account Health

More information

Account Rates and Terms 1st Business Checking Rates and information effective October 13, 2015

Account Rates and Terms 1st Business Checking Rates and information effective October 13, 2015 1st 1st to Earn APY to Avoid 0.00 0.00 NA $1,000 $100** Account Limitations. Transaction Limitations.* 250 transactions, plus 30 deposits (up to 300 checks deposited free). We reserve the right to require

More information

GENERAL TERMS AND CONDITIONS FOR BUSINESS TRANSACTION ACCOUNTS.6 GENERAL RULES AND REGULATIONS GOVERNING ACCOUNTS.12

GENERAL TERMS AND CONDITIONS FOR BUSINESS TRANSACTION ACCOUNTS.6 GENERAL RULES AND REGULATIONS GOVERNING ACCOUNTS.12 This booklet was prepared for the customers of The Provident Bank who have accounts and services that will be transferred to OceanFirst Bank according to the information included in the accompanying booklet.

More information

DEPOSIT ACCOUNT AGREEMENT

DEPOSIT ACCOUNT AGREEMENT DEPOSIT ACCOUNT AGREEMENT R BANK P O Box 1116 3600 Palm Valley Blvd (78665) Round Rock, TX 78680-1116 November 2, 2015 This disclosure contains information about terms, fees and interest rates for our

More information

Account Disclosures Optimum Savings Account Rates and information effective December 4, 2014

Account Disclosures Optimum Savings Account Rates and information effective December 4, 2014 Optimum Savings Account Rates and information effective December 4, 2014 to to Avoid Optimum Savings 2.00 1.98 Up to $5,000 $0.00 $100.00 2.00 to 0.34 0.25 $5,000.01 and greater Other restrictions apply

More information

BUSINESS CHECKING ACCOUNTS

BUSINESS CHECKING ACCOUNTS BUSINESS CHECKING ACCOUNTS First Avenue National Bank Main Office 910 SW 1st Avenue Ocala, FL 34471 Thank you for choosing First Avenue National Bank as your financial institution. financial endeavors.

More information

Account Disclosure 1st Premier Checking Account Rates and information effective October 1, 2015

Account Disclosure 1st Premier Checking Account Rates and information effective October 1, 2015 Account Disclosure 1st Premier Account Rates and information effective October 1, 2015 1st Premier to Up to $2,499.99 $2,500 - $4,999.99 $5,000 - $9,999.99 $10,000 - $49,999.99 $50,000 - $99,999.99 $100,000

More information

Check Hold Policy Disclosure Statement

Check Hold Policy Disclosure Statement Check Hold Policy Disclosure Statement Our policy is to delay the availability of funds that you deposit in your account. During the delay, you may not withdraw the funds in cash or in the form of a withdrawal

More information

BUSINESS TRUTH-IN-SAVINGS DISCLOSURE

BUSINESS TRUTH-IN-SAVINGS DISCLOSURE BUSINESS TRUTH-IN-SAVINGS DISCLOSURE The Truth-in-Savings Act (TIS) is a section of the Federal Deposit Insurance Corporation Improvement Act of 1991. The National Credit Union Administration is charged

More information

SPECIFIC TERMS APPLICABLE TO YOUR HIGH YIELD CHECKING ACCOUNT

SPECIFIC TERMS APPLICABLE TO YOUR HIGH YIELD CHECKING ACCOUNT SPECIFIC TERMS APPLICABLE TO YOUR HIGH YIELD CHECKING ACCOUNT Variable Rate information. This account is subject to a Variable Rate. The interest rate and annual percentage yield (APY) may change at any

More information

Managing your checking account.

Managing your checking account. We re here for you We hope you have found this guide helpful. In the future, anytime you have a question about your account, visit a Webster branch or call us. You can rely on Webster for whatever assistance

More information

TRUTH-IN-SAVINGS DISCLOSURE

TRUTH-IN-SAVINGS DISCLOSURE TRUTH-IN-SAVINGS DISCLOSURE The Truth-in-Savings Act (TIS) is a section of the Federal Deposit Insurance Corporation Improvement Act of 1991. The National Credit Union Administration is charged with enforcing

More information

Consumer & Business Pricing Addendum

Consumer & Business Pricing Addendum Consumer & Business Pricing Addendum This addendum contains important product and pricing information. Please retain for your records. Effective June 29, 2012 1, 2, 3, 4 Overdraft Item Paid $15.00 or less

More information

Account & Miscellaneous Schedule of Fees. Effective June 15, 2015

Account & Miscellaneous Schedule of Fees. Effective June 15, 2015 Account & Miscellaneous Schedule of Fees Effective June 15, 2015 Table of Contents Government Arrangement.... 1 Your Guide to Service Fees... 1 Individual Accounts... 2 Regular Checking... 2 Interest

More information

Conversion Guidebook

Conversion Guidebook Conversion Guidebook Important information about changes to account terms and services for customers of Valley National Bank Table of Contents Welcome to Century Bank 1 Deposit Accounts 2 Personal Checking

More information

Account Disclosures ebanking Express Checking Account Rates and information effective September 1, 2014

Account Disclosures ebanking Express Checking Account Rates and information effective September 1, 2014 Account Disclosure 1st Premier Account Rates and information effective September 1, 2014 1st Premier to Up to $2,499.99 $2,500 - $4,999.99 $5,000 - $9,999.99 $10,000 - $49,999.99 $50,000 - $99,999.99 $100,000

More information

Account Disclosure 1st Premier Checking Account Rates and information effective October 1, 2015

Account Disclosure 1st Premier Checking Account Rates and information effective October 1, 2015 Account Disclosure 1st Premier Account Rates and information effective October 1, 2015 1st Premier to Up to $2,499.99 $2,500 - $4,999.99 $5,000 - $9,999.99 $10,000 - $49,999.99 $50,000 - $99,999.99 $100,000

More information

Ready to Go Checking. Simply Stated Product Guide

Ready to Go Checking. Simply Stated Product Guide For us, it s important that you understand exactly how your Ready to Go Checking account works. Below is an explanation of the key terms and fees of your personal account. For additional details of terms

More information

Commercial Service Charges/ Statement of Disclosure

Commercial Service Charges/ Statement of Disclosure Commercial Service Charges/ Statement of Disclosure Account Services HSBC BusinessVantage Account Package Interest-bearing chequing account package in Canadian or US dollars that pays tiered interest.

More information

Welcome to Cape Cod Five. Please use this helpful guide to learn more about the transition to your new Cape Cod Five accounts.

Welcome to Cape Cod Five. Please use this helpful guide to learn more about the transition to your new Cape Cod Five accounts. Welcome to Cape Cod Five Please use this helpful guide to learn more about transition to your new Cape Cod Five accounts. Welcome Cape Cod Five is is here for for you you today and and every every day.

More information