CENTRAL BANK AND TRUST CO. FEE SCHEDULE
"Effective November 1, 2011"
BOOKKEEPING AND CUSTOMER SERVICE FEES
Personal online banking:	FREE
Personal FinanceWorksTM :	FREE
Online banking transfer:	FREE
PhoneCentral transfer:	FREE
Scheduled transfer via online banking:	FREE
Telephone transfer:	$5.00
Pre-authorized transfer (scheduled or via overdraft protection):	$5.00
Account E-statement:	FREE
Statement reprint with images:	$5.00 + $1.00/page (research fee may apply)
Account printout:	$5.00
Check copy via online banking:	FREE
Imaged item copy – per item:	$3.00
Duplicate statement – monthly:	$5.00
Special scheduled statement – per cycle:	$5.00
Document copy:	$3.00
Hold statement – monthly:	$5.00
Non-sufficient funds/overdraft charge (NSF-OD) (whether paid or returned):
1-5 items per statement cycle	$28.00 ea.
6 or more items per statement cycle	$31.00 ea.
No charge on overdraft balances of $5 or less
Negative balance - per calendar day (personal accounts):	$3.00
Chargeback of item presented:	$5.00
Reclearing of deposited item:	$3.00
Special handling item*:	$3.00
*check missing signature, item with MICR alignment errors, re-qualified returns, etc.
Multiple signature verification – per item:	$0.25
Stop payment – per item:	$30.00
Account reconciliation– per hour (1 hour minimum):	$25.00
Research - per hour (1 hour minimum -prepaid):	$25.00
Garnishment, levy or lien:	$10.00
Dormant account – monthly:	$10.00
Inactive account – monthly (checking accounts only)**:	$5.00
**assessed if no activity for 6 months and balance is under $100
Account closed within 6 months from opening date:	$15.00
Account closed between 6 and 12 months from opening date:	$10.00
Indemnity bond for lost Certificate of Deposit, Official Check or Money Order :	$25.00
IRA transfer– outgoing funds:	$25.00
Health Savings Account:
Setup	$25.00
Transfer	$25.00
Excess contribution refund	$25.00
Non-qualifying taxable distribution	$10.00
Written verification of account information:	$5.00
Medallion Signature Guarantee (securities) provided only for bank customers:	$10.00
Notary for non-customer:	$10.00
Printed checks	Varies upon style
TELLER SERVICE FEES
Official Check (customers only):	$5.00
Money Order (customers only):	$3.00
Gift Card:	$4.95
General Purpose Reloadable Card:	$4.95
In person reload	$0.90
Counter Check:	$0.25
Foreign currency exchange or order:	Quote available upon request
Foreign check processing – per item:	$5.00
Pre-approved check cashing for non-customer:	$10.00
Non-Central Bank and Trust ATM transaction***:	$1.50
***Additional charge may be assessed by the owner/operator of the ATM machine
ATM/Debit Card replacement or PIN replacement:	$5.00
Expedited delivery of ATM/Debit Card:	$100.00
Transactions in Foreign Countries****:
Currency conversion	0.2% of amount transacted
Cross-Border transaction	0.8% of amount transacted
****Mastercard reserves the right to change fees.
Wire transfer:
Incoming - domestic	$6.00
Incoming - international	$15.00
Outgoing - domestic	$20.00
Outgoing - international	$45.00
Collection item:	$15.00
Photocopy - per page:	$0.25
Fax (incoming & outgoing):
1st page	$2.00
Each additional page	$1.00
Night depository – locking bag:	$20.00
Night depository – additional key:	$5.00
Zipper deposit bag:	$5.00
Safe Deposit Box rental - annual*****
1½ x 5 $15.00 3 x 5 $25.00 4 x 5 $30.00 5 x 5 $30.00 3 x 10 $40.00 5 x 10 $50.00 10 x 10 $75.00   ***** A $5 discount provided on Safe Deposit Box rental if annual fee is auto-debited from a CBT deposit account
Box drilling:	Quote available upon request
ONLINE BILL PAY
Online bill pay:	Free
Customer originated debit returned by the Bank
(charged in addition to the Bank's regular NSF-OD return fee):	$30.00
Stop payment:	$30.00
Check copy:	$3.00
ADDITIONAL FEES FOR COMMERCIAL ACCOUNTS
Negative balance – per calendar day:	$25.00
Compact disc statement:	$30.00
Positive Pay – monthly:
per account	$100.00
per transaction	$0.05
per returned item	$3.00
ACH Origination:
Setup	$100.00
Per file	$5.00
Per transaction	$0.10
Chargeback of ACH item presented	$5.00
Payroll Cards:
Setup	$50.00
per card	$2.50
In person reload	$0.90
Basic Business online banking – monthly:	$9.95
Basic Business online banking with bill pay – monthly:	$15.95
Business online banking – monthly:	$22.95
Each additional entity attached to Business online banking:	$10.00
Business online banking stop payment – per item:	$25.00
Wire Transfer – Domestic wire transfer initiated through Business online banking:	$17.00
Cash Management Sweep – monthly:
Line of credit	$100.00
Investment	$100.00
Zero balance account	$35.00
Integrated	$200.00
Lock box:	Quote available upon request