Personal Banking Fee Schedule
Effective Date January 31, 2013
The following fees may be assessed against your account. We reserve the right to change these fees from time to time and you will be notified 21 days prior to the effective date.
| Item | Fee |
|---|---|
| Check Printing Fee varies depending on style of check ordered |
VARIES |
| Bank Check | $7.00 |
| Deposited Check (and other items) returned unpaid | $10.00 |
| Dormant Account Fee (This fee is charged each year) An account is dormant if for five years there is no activity on the account. |
$6.00 |
| Garnishments, IRS Levies | $25.00 |
|
Nonsufficient fund (NSF) item (each) Paid or Returned (These items apply to ACH & POS transactions also) |
$34.00 |
| Stop payments (all items) | $29.00 |
| Photocpies (checks, statements, etc) | $4.00 |
| Wire transfers: Outgoing | $25.00 |
| Wire transfers: Incoming | $20.00 |
| International Wires: Outgoing | $45.00 |
| International Wires: Incoming | $20.00 |
| Closing fee of new checking account within 180 days of opening account |
$25.00 |
| Inactivity fee on checking accounts after 2 months (balance below $100) Does not apply to Completely Free Checking Account |
$4.00/month |
| Account Research | $25.00/hr |
| Account Reconciliation | $25.00/hr |
|
Valley Savings Bank STAR/COBE/ATM transactions MoneyPass terminals nationwide are free also |
FREE |
| Plus System/Cirrus - any transaction | $1.50 |
| ATM or Debit card replacement (lost, stolen or destroyed) | $6.00 |
| Completely Free Checking | No monthly service charge |
| 50+ Free Interest Checking | No monthly service charge |
| VIP Interest Checking | No monthly service charge |
| Low Minimum Interst Checking: $500.00 daily balance required to avoid monthly service charge |
$6.00 |
| High Performance Checking: $1,000 daily balance required to avoid monthly service charge | $8.00 |
| No Minimum Interest Checking: Monthly Service Charge | $4.00 |
| Economy Interest Checking: Per check fee | $ .20/per check |
| Statement Savings: Monthly service charge (if average monthly balance falls below required amount) |
$3.00 |
| Overdraft Protection | $25.00 Annual Fee |
| Online Banking | FREE |
| Online Bill Payment | FREE |
| Histories | $ .50/per page |
| Counter Checks (First 5 free, $1.00 each after 5) | $1.00 each |
| Returned Mail Fee | $10.00/per month |
| Overdraft Transfer Fee (from internal Accts. Savings or DDA) | $10.00 per transfer |
Debit Card Overdraft
