Tài liệu S&T Bank Rates and Fees doc

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S&T Bank Rates and Fees
(Effective December 26, 2012 through January 1, 2013)

Growth/Income CD Time Deposits – Available for amounts up to $500,000

Please see Footnote 1 for disclosure.
Opening Balance
Requirements
Annual
Percentage Yield
Interest
Rate
Relationship
CD Offer
7 days to 31 days
$75,000
0.15%
0.145%
NO
32 days to 89 days
$75,000
0.15%
0.145%
NO
90 days to 181 days
$1,000
0.15%

0.145%
NO
6 months to 12 months
$1,000
0.15%
0.145%
NO
1 year to less than 2 years
$500
0.15%
0.145%
YES
2 years to less than 3 years
$500
0.35%
0.345%
YES
3 years to less than 4 years
$500
0.45%
0.445%
YES
4 years to less than 5 years
$500
0.75%
0.744%
YES
5 years
$500
1.00%

0.993 %
YES

IRA CD Time Deposits

Please see Footnote 1 for disclosure.
Opening Balance
Requirements
Annual
Percentage Yield
Interest
Rate
Relationship
CD Offer
6 month
$1,000
0.15%
0.145%
NO
1 year to less than 2 years
$500
0.15%
0.145%
YES
2 years to less than 3 years
$500
0.35%
0.345%
YES
3 years to less than 4 years

$500
0.45%
0.445%
YES
4 years to less than 5 years
$500
0.75%
0.744%
YES
5 years
$500
1.00%
0.993 %
YES

S&T-Bill CD Time Deposit
12-month CD

(Please see Footnote 10 for disclosure)
Opening Balance
Requirements
Annual
Percentage Yield
Interest
Rate
Relationship
CD Offer
Effective December 3, 2012
$500
0.10%

0.100%
NO

Smart Start S&T-Bill CD Time Deposit
12-month CD

(Please see Footnote 11 for disclosure)
Opening Balance
Requirements
Annual
Percentage Yield
Interest
Rate
Relationship
CD Offer
Effective December 3, 2012
$250
0.10%
0.100%
NO

Quick Cash 10-Month CD Time Deposit or IRA
10-month CD

(Please see Footnote 2 for disclosure)
Opening Balance
Requirements
Annual
Percentage Yield
Interest

Rate
Relationship
CD Offer

$1000
0.05%
0.045%
NO


NO RELATIONSHIP BONUS AVAILABLE ON THE T-BILL CDs.
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Page 2 of 10

Money Market Accounts

Please see Footnote 3 for disclosure.
Opening Balance
Requirements
Annual
Percentage Yield
Interest
Rate
Regular MMA:



$0 through $9,999.99
-

0.05%
0.045%
$10,000 through $24,999.99
-
0.05%
0.045%
$25,000 through $74,999.99
-
0.05%
0.045%
$75,000 +
-
0.10%
0.095%
(Effective June 20, 2012)
Interest Checking Accounts
Please see Footnote 4 for disclosure.

N/A
0.01%
0.010%
(Effective June 20, 2012)
Cash Management Account

Please see Footnote 15 for disclosure.
Opening Balance
Requirements
Annual
Percentage Yield
Interest

Rate
$0 through $24,999
-
0.05%
0.045%
$25,000-$99,999
-
0.05%
0.045%
$100,000-$249,999
-
0.10%
0.095%
$250,000-$999,999
-
0.10%
0.095%
$1 million +
-
0.25%
0.245%
(Effective June 20, 2012)
Preferred Savings Account

Please see Footnote 16 for disclosure.
Opening Balance
Requirements
Annual
Percentage Yield
Interest

Rate
$0 through $100,000
$25
0.75%
0.743%
$100,000.01+
-
0.05%
0.045%
(Effective September 12, 2012)
Statement Savings Account
Please see Footnote 5 for disclosure.
$25
0.05%
0.045%

Overdraft Protection Savings Account
Please see Footnote 5 for disclosure.
$25
0.05%
0.045%

Passbook Savings
Please see Footnote 5 for disclosure.
$25
0.05%
0.045%

Moola Moola Passbook Savings
Please see Footnote 6 for disclosure.

$25
0.05%
0.045%

Basic Holiday Savings Club
Please see Footnote 7 for disclosure.
N/A
0.05%
0.045%

Premium Holiday Savings Club
Please see Footnote 8 for disclosure.
N/A
0.10%
0.095%

My Choice Savings Account
Please see Footnote 12 for disclosure.
N/A
0.10%
0.095%
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Page 3 of 10

IRA Variable Rate Savings Account
Please see Footnote 9 for disclosure.

Effective December 3, 2012
$50
0.10%
0.100%

Overnight Sweep Repurchase Rate




Effective December 29, 2010
N/A
N/A
0.05%

“Bump or Jump” 12-Month CD Time Deposit (NOT AVAILABLE FOR NEW ACCOUNTS)
Please see Footnotes 1 and 17 for
disclosures.
Opening Balance
Requirements
Annual
Percentage Yield
Interest
Rate
12-month CD
$2,500
0.05%
0.045%

Promotional CD Time Deposits


12-Month CD Time Deposit or IRA
Opening Balance Requirement = $1,000 See Footnotes 1, 13, 14 and 18 for disclosure.
12 Month CD
Base Rate
+ 0.05%
+0.10%
+0.15%
+ 0.20%
(must be a Club
member w/
relationships)

Annual Percentage Yield
.30%
.35%
.40%
.45%
.50%
Interest Rate
.295%
.345%
.395%
.445%
.495%
(Effective November 7, 2012)

* Changes from the previous week shown in bold.


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Page 4 of 10

Special Relationship Offer – Add from 0.05% up to 0.20% to a CD or IRA APY!
Effective August 11, 2010 (See footnote 13 for important disclosure copy)

Get an additional 0.05%, up to 0.15%, added to your CD/IRA APY for each of the following new or existing S&T services:
• 0.05=Core Checking Account-includes Regular, Business, NOW or Money Market acct.
• 0.05=S&T Mortgage Loan, Home Equity Loan/Line of Credit, or Installment Loan
• 0.05=New Money to S&T Bank-Face amount of CD must consist of at least 50% new money

CLUB MEMBERS – Get an additional 0.05% for your Club relationship – up to a maximum of 0.20%. (See footnote #14
for disclosure copy)
• 0.05=Preferred Account, America’s Choice or Four Star Club account


Footnotes:

1. Growth/Income and IRA CD Time Deposits - Annual Percentage Yield (APY) assumes interest remains on deposit until maturity, and withdrawal of
interest will reduce earnings. CD Time Deposit - 1099 is produced in the year interest is paid. Penalty for early withdrawals could affect the APY and could
reduce the principal for these accounts.

2. Quick Cash CD Time Deposit – No withdrawals permitted during the first 7 day period. Entire certificate may be redeemed without penalty after the first
seven days. No partial withdrawals. Offer may be withdrawn at any time. Substantial penalties for early withdrawals. Maximum deposit of $250,000 per
household.

3. Money Market Account - This savings account has a maximum of six (6) third party transactions permitted per month. This is a variable rate account and
your interest rate and Annual Percentage Yield may change at the Bank's discretion without prior notice.

4. Interest Checking Account - This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion without
prior notice.

5. Statement, Overdraft Protection and Passbook Savings - This is a variable rate account and your interest rate and Annual Percentage Yield may change
at the Bank's discretion without prior notice.

6. Moola Moola Passbook Savings - This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion
without prior notice.

7. Basic Holiday Savings Club - This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion without
prior notice.

8. Premium Holiday Savings Club - This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion
without prior notice. This account requires direct deposit of contributions and direct deposit of funds to your S&T account. No withdrawals will be permitted
prior to disbursement.

9. IRA Variable Rate Savings Account - There will not be any bank penalties imposed for the transfer of funds from this IRA to another S&T IRA account.
You may make additional deposits in any amount after the initial deposit.
The Annual Percentage Yield and interest rate on the entire account balance will be adjusted and become effective the first Business Day of each month.
Deposits made during the month will earn the effective rate from the date of deposit until the rate adjusts.
The rate of interest is tied to the 91-Day Treasury
Bill rate (Discount rate in effect for the last Treasury Bill auction of the previous month).

10. S&T-Bill CD Time Deposit – Annual Percentage Yield (APY) assumes interest remains on deposit until maturity, and withdrawal of interest will reduce
earnings. CD Time Deposit - 1099 is produced in the year interest is paid. Penalty for early withdrawals could affect the APY and could reduce principal for
these accounts.
This promotional CD Time Deposit APY and interest rate cannot be combined with any other promotion. Additional deposits may be made through automatic
transfers from an S&T checking or savings account. Minimum transfer amount is $50. Deposits may also be made at any branch location. Customer must have
an S&T checking or savings account to open the CD. Not available on IRAs.
The APY and interest rate on the entire account balance will be adjusted and become effective the first Business Day of each month. Deposits made during the
month will earn the effective rate from the date of deposit until the rate adjusts.
The rate of interest is tied to the 91-Day Treasury Bill rate (Discount rate in effect for the last Treasury Bill auction of the previous month). Monthly interest
payments will only be available through transfer of funds to an S&T checking or savings account.
If withdrawals are made to this account prior to maturity date,
a penalty of 90 days simple interest will be imposed.

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Page 5 of 10

11. Smart Start S&T-Bill CD - Annual Percentage Yield (APY) assumes interest remains on deposit until maturity, and withdrawal of interest will reduce
earnings. CD Time Deposit - 1099 is produced in the year interest is paid. Penalty for early withdrawals could affect the APY and could reduce principal for
these accounts.
This promotional CD Time Deposit APY and interest rate cannot be combined with any other promotion. Additional deposits may be made through automatic
transfers from an S&T Smart Start checking account or be made at any branch. Minimum transfer amount is $20. Customer must have an S&T Smart Start
checking account to open the CD. Not available on IRAs.
The APY and interest rate on the entire account balance will be adjusted & become effective the first Business Day of each month. Deposits made during the
month will earn the effective rate from the date of deposit until the rate adjusts.
The rate of interest is tied to the 91-Day Treasury Bill rate (Discount rate in effect for the last Treasury Bill auction of the previous month). Monthly interest
payments will only be available through transfer of funds to an S&T Smart Start checking account.
If withdrawals are made to this account prior to maturity
date, a penalty of 90 days simple interest will be imposed.

12. My Choice Savings Account - This is a variable rate account. Your interest rate and Annual Percentage Yield may change at the Bank's discretion without
prior notice. Account must be funded via direct draft. If direct draft ceases, the interest rate and APY will revert to the Basic Holiday Savings Club. Interest is
credited once per year on the date selected by customer. If the account is closed before interest is credited, all accrued interest in the
account may be forfeited. $10 per month minimum transfer amount. Once a disbursement date is selected, it cannot be changed. No withdrawals will be
permitted prior to disbursement.

13. Relationship CD Offer - Maximum bonus Annual Percentage Yield is 0.15% (0.20% for Club members) added to the base CD APY. Get an additional 0.05%
added to the CD APY for each of the following S&T services: S&T Core Checking Account; S&T Mortgage Loan, Home Equity Loan/Line of Credit or
Installment Loan; Cash Management Account; or New Money to S&T Bank. Club account members (Preferred Account, America’s Choice & Four Star only)
are eligible for an additional 0.05% bonus for their Club relationship, up to 0.20%.
Offer excludes the S&T-Bill CD and Smart Start T-Bill CD. Special cannot be combined with any other bonus offers. Not available for brokered accounts or the
IRA Variable Rate Savings account. Minimum deposit to open is based on the CD selected. Substantial penalty for early withdrawal. Offer may be withdrawn at

any time.
The promotional APY and interest rate will not be applied to existing CD Time Deposits that automatically rollover. Customers must choose to change the
existing CD Time Deposit to promotional Time Deposit. At maturity, this promotional CD Time Deposit will rollover into a traditional Time Deposit interest
plan.

14. Club Bonus - Maximum bonus Annual Percentage Yield is 0.20% added to the base CD APY. Get an additional 0.05% added to the CD APY for being a
Preferred Account, America’s Choice or Four Star Club account member, in addition to the Relationship CD bonus offers. The highest tier is noted.
Club Bonus available to S&T Bank Preferred Account, Four Star Club & America’s Choice members only. Special cannot be combined with any other
promotion. Not available for brokered accounts. Minimum deposit to open depends on CD product selected. Substantial penalty for early withdrawal. Offer
may be withdrawn at any time.
The promotional APY and interest rate will not be applied to existing CD Time Deposits that automatically rollover. Customers must choose to change the
existing CD Time Deposit to promotional CD Time Deposit. At maturity, promotional CD Time Deposits rollover into a traditional CD Time Deposit interest
plan.

15. Cash Management Account –This is a variable rate account and your interest rate and Annual Percentage Yield (APY) may change at the Bank’s discretion
without prior notice. Interest is accrued daily on the collected balance and compounded and credited to your account monthly. A $25 penalty applies for each
third party transaction exceeding six per monthly cycle. An $8 monthly service fee will be collected on amounts falling below $5,000.

16. Preferred Account Savings - This is a variable rate account and your interest rate and Annual Percentage Yield (APY) may change at the Bank’s discretion
without prior notice. A $10 quarterly service fee will be collected on amounts falling below $200. Customer must have a Preferred checking account in order
to qualify for a Preferred savings account. Quarterly interest plan. One Preferred Savings per Preferred Checking household.

17. "Bump or Jump" CD Time Deposit – THIS CD IS NOT AVAILABLE FOR NEW ACCOUNTS. Choice of "Bumping" up to a higher interest rate and APY
or "Jumping" to another "Bump or Jump" or other investment type anytime after 7 days. No penalty for using this option once within a 12-month term. No
partial withdrawals without penalty. Does not include IRA accounts. Offer may be withdrawn at any time. Not available in all areas. Substantial penalties for
early withdrawals after use of one time 7-day access option.

18. 12 Month CD Special –This special cannot be combined with any other offer and excludes institutional investors or brokered accounts. Minimum deposit
requirement is $1,000. Substantial penalty for early withdrawal. APY assumes interest remains on deposit until maturity, and withdrawal of interest will reduce
earnings. Rates subject to change without notice. Offer withdrawn at any time. The promotional APY and interest rate will not be applied to existing time

deposits that automatically rollover. At maturity, promotional time deposits will rollover into a traditional CD time deposit interest plan.


For more information, you may call our Direct Banking Center at 800.325.BANK or 724.349.1800.
Monday – Friday 7:00 a.m. – 7:00 p.m.
Saturday – 8:00 a.m. – 3:00 p.m.




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FEE SCHEDULE

Miscellaneous Account Service Fees
Check Orders: Prices vary depending on style selected. Checks must meet our quality
standards for processing, or we may require your checks be purchased
through the vender of our choice, at your expense.

Stop Payment Fee: $32.00 per item

Overdraft Fee: $32.00 per item

Daily Overdraft Fee: $10.00/day after 4
th
calendar day acct. remains in overdraft status

Transfer from Line of Credit or Savings account
For overdraft protection: $10.00 per occurrence

Returned Item Fee: $32.00 per item

Deposited Return Item Fee: $10.00 per item

Secondary Return Item Notice Fee
(for business accounts only): $3.00 per notice

Transaction History Printout: $1.00 per request

Irregular Statement Cycle: $10.00 per request

Paper Statement Fee $2.00 per month
(All consumer checking, interest checking and money market accounts, excludes Four Star account)

Image Statement Fee $2.00 per month

Personal Accounts with statements held at branch: $2.00 per cycle

Interim Statement (without checks) or
Statement Copy (without checks): $5.00 per request

Copy of Item (including Money Order, Treasurer’s Check,
savings withdrawal, deposit ticket, etc. Cancelled check
copy fee does not apply to CheckSafe customers.
CheckSafe customers requesting > 25 copies per year
may be assessed a fee.): $5.00 per item

Statement Reconcilement and Research Fees: $25.00 per hour ($25.00 minimum)

Excessive Transaction Fee
(Money Market and Savings accounts): $2.00 per transaction

Inactivity Fee $5.00/month for checking accounts with a ledger balance of
less than $100 and with no activity during previous 12 months

Non S&T ATM Transactions
ATM Service Fees
(ATM Deposits, ATM Withdrawals, ATM Inquiries,
ATM Transfers to and from accounts): $2.00 per transaction
(Excludes Preferred Account, Four Star & America’s Choice accts
See applicable disclosure)

Replacement/Duplicate Cards: $7.50 per card

Mini Statement: $1.00

Transfer of Funds
Domestic Outgoing Wire (Customer)
- Repetitive: $17.00 per wire
- Non-Repetitive: $25.00 per wire
Domestic Incoming Wire (Customer): $15.00 per wire
International Outgoing Wire (Customer): $45.00 per wire
International Incoming Wire (Customer): $22.00 per wire

Safe Deposit Boxes
Various Sizes Available: $25.00 - $305.00 per year
Loss of Keys:
One Key (requires replacement with new lockset) $ 30.00
Two Keys (requires drilling & lockset replacement) $150.00

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Collection Items
Canadian Items: $15.00 per item
Bond Coupons: $5.00 per envelope
Return Coupon: $50.00
International Drafts: fee varies
Outgoing Collections: $25.00 per item
Incoming Collections: $25.00 per item

Night Depository
One-Time Fee: $20.00 canvas bag (small)
$25.00 canvas bag (large)
Service Fee: $0.75 per drop for disposable, $1.00 per drop for canvas
Disposable Bags Available: fee varies

Miscellaneous Services
Treasurer's Checks (sold to customers only): $10.00 per check
Domestic Money Orders: $5.00 per money order
Faxes sent within PA: $5.00 first page, $1.00 each additional page
Faxes sent outside of PA: $7.00 first page, $1.50 each additional page
VISA International Service Assessment Fee: .8% of international purchases & cash disbursements which do not require conversion
- applies to VISA credit & debit card transactions 1% of international purchases & cash disbursements which require conversion
Signature Guarantee Fee: $10.00 per occurrence
Approved Checks Cashed for Non-customers: $10.00 per check
Assisted Transfer Service Charge: $5.00 per transfer
Indemnity Bond: $5.00 per bond
Notary Service: $2.00 plus clerical fees

Legal Fees (FIDM Program): $50.00 per request
Legal Fees (Writs of Execution): $150.00 per request
Legal Fees (Garnishment Orders) $100.00 per request


Online Banking
Business Online Banking $10.00 per month
(Basic Package -additional services available at extra charges)
ExpressNet FREE
Expedited Fee Payment
ExpressNet Expedited Payments
ACH $14.95 per occurrence
Check $19.95 per occurrence
Express Banking Fee
Quicken $5.00 per month
ExpressNet User Fee Monthly
SYNC online $3.00 per month
Preferred Account FREE
ExpressNet User Fee Transactional
ExpressNet with BillPay Inactivity Fee $3.00 per month
(If an ExpressNet user is signed up for BillPay, one bill per month must be paid via
S&T’s ExpressNet with BillPay in order to avoid a $3 per month inactivity fee.)
Service Charge
ExpressNet External Transfers $3.00 per transfer
(From S&T to another financial institution)

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PERSONAL CHECKING
Preferred Account
• Minimum daily balance requirement $1,000
• Monthly maintenance Fee (if balance falls below minimum daily balance or combined balance) $10
• No monthly maintenance fee will be assessed for combined deposit and HOME Center balances* of $50,000 or more
• ATM Transactions
• S&T Bank ATMs = Unlimited free ATM transactions
• Non S&T Bank ATMs = 10 free ATM withdrawals per monthly statement cycle.

Free Checking Account
• No minimum balance to open account
• No minimum balance
• No monthly maintenance fee
• Free ATM Banking at S&T Bank ATMs

Interest Checking Account
• Minimum daily balance requirement $1,000 or average monthly balance requirement $2,500
• Monthly maintenance Fee (if balance falls below minimum daily balance or average monthly requirement) $10
• No monthly maintenance fee will be assessed for combined personal deposit and HOME Center balances of $20,000* or more

Smart Start Checking
• No minimum balance to open account
• No monthly maintenance fee
• Monthly maintenance fee will be assessed upon accountholder’s 25th birthday of $25
• ATM Transactions
• S&T Bank ATMs = Unlimited free ATM transactions
• Non S&T Bank ATMs = Two free ATM withdrawals per monthly statement cycle at in-network ATMs (NYCE networks only)

Club Account
Four Star Club (Regular, Interest, and Money Market)
• Minimum daily checking account balance requirement $1,000
• Monthly maintenance fee (if balance requirement falls below minimum daily balance) $10
• No monthly maintenance fee will be assessed for combined personal deposit and HOME Center balances of $5,000 or more.*
• Excessive transaction fee $2/transaction applies on Four Star money market (A maximum of six third party transactions are
permitted per calendar month or statement cycle)

*Combined deposit balances include: all personal checking, savings or time deposits. Combined Home Center balances include: mortgage,
home equity loan and home equity line outstanding balances.
** Waived for minors under the age of 18.

Transaction and service fees, including insufficient funds and overdraft fees, may apply to these accounts.

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PERSONAL SAVINGS
Cash Management Account
• Minimum daily balance requirement $5,000
• Monthly maintenance fee (if balance falls below minimum daily balance) $8
• Fee for third party transactions exceeding six per calendar month or statement cycle $25/transaction

Money Market Account
• Minimum daily balance requirement $1,000 or average monthly balance requirement $2,500
• Monthly maintenance fee (if balance requirement falls below minimum daily balance or average monthly balance) $10
• Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle)
• No monthly maintenance fee will be assessed for combined deposit and Home center balances of $20,000* or more.

Preferred Savings Account
• Minimum balance to open account $25.
• Quarterly maintenance fee $10 (if daily balance falls below $200 minimum)
• Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle)
• Must have the Preferred Checking account in order to qualify for the Preferred Savings Account otherwise savings will revert to statement
savings account and rate
• One Preferred Savings Account per Preferred Checking Account household

Moola Moola Kids Savings
Account intended for children ages 13 and under.
At age 18, maintenance fees applicable to passbook savings account will apply.
• Minimum balance to open account $25
• No maintenance fee
• Minimum balance required to earn passbook interest rate and annual percentage yield $25
• Excessive Transaction Fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle)

IRA Variable Rate Savings Account
•
The interest rate is tied to the 91-Day Treasury Bill rate (Discount rate in effect for the last Treasury bill auction of the previous month).
• Minimum balance to open $50
• No maintenance fee

Individual Retirement Account
• Transfers to other institutions $35/transfer

Passbook Savings Account
• Minimum balance to open account $25
• Quarterly maintenance Fee $6 (if balance falls below $200 minimum**)
• Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle)

Statement Savings
• Minimum balance to open account $25.00
• Quarterly maintenance Fee $6 (if balance falls below $200 minimum**)
• Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle)

Overdraft Protection Savings Account
• Minimum balance to open account $25
• Quarterly maintenance fee $6 (if daily balance falls below $200 minimum)
• Quarterly maintenance fee $8 for overdraft protection
• Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle)






NON CONSUMER SERVICE FEE SCHEDULE
*Combined deposit balances include: all personal checking, savings or time deposits. Combined Home Center balances include: mortgage,
home equity loan and home equity line outstanding balances.
** Waived for minors under the age of 18.

Transaction and service fees, including insufficient funds and overdraft fees, may apply to these accounts.

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Page 10 of 10

Non Consumer Fee Schedule Checking
Basic Business Checking

• No minimum balance
• No monthly maintenance fee
• 500 free transactions each month

Non Consumer Interest Checking
• Minimum daily balance requirement $2,500 or average monthly balance requirement $3,000
• Monthly maintenance fee $10 (if balance falls below average daily or monthly requirement)



Non Consumer Fee Schedule Saving
Non consumer Money Market Account
• Minimum daily balance requirement $2,500 or average monthly balance requirement $3,000
• Monthly maintenance fee $12 (if balance falls below average daily or monthly requirement)
• Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month
or statement cycle)
Non Consumer Passbook Savings
• Minimum balance to open account $25
• Quarterly maintenance fee (if balance falls below $200 minimum) $6
• Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month
or statement cycle)
Non Consumer Statement Savings
• Minimum balance to open account $25
• Quarterly maintenance fee (if balance falls below $200 minimum) $6
• Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month
or statement cycle)

Please refer to the Account Analysis fee schedule for Business accounts with Account Analysis.