Disclosures

 

 

 

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