Adams Community Bank Fee Schedule

Effective 11/1/2018

ATM Charges

Lost ATM/Debit Card Replacement
$6.00*

ATM Withdrawal Service Charges:

     At Adams Community Bank
N/C

     Other ATM Locations
$1.00

     ATM Inquiry Service Charges
N/C

     POS (NYC) Charges
N/C*

Checking & Savings Accounts

Additional/Duplicate Statement
$3.00

New Checking Account closing within 90 days
$20.00*

New Savings Account closing within 6 months
$15.00

Deposit Return Item Fee
$7.81*

*$7.81 charged at state requirement for deposit return item fee

Stop Payment Fee:

     Check
$25.00

     Pre-Authorized Debit/ACH
$25.00


IMPORTANT INFORMATION REGARDING
INSUFFICIENT FUNDS, OVERDRAFT AND UNCOLLECTED FUNDS FEES

Insufficient Funds, Overdraft, and Uncollected Funds status may be determined on an available balance rather than your current balance.  Transactions may not be processed in the order in which they occurred.  In some cases, a merchant may place a hold on your account for a point of sale transaction or the bank may place a hold on a check, subject to Reg. CC, decreasing your available balance.  The order in which transactions are received by the Bank and processed can affect the total amount of Insufficient Funds, Overdraft and Uncollected Funds fees incurred by you.


Insufficient Funds/Overdraft Charge: NSF or overdrafts created by check, in person withdrawal, ATM withdrawal or other electronic means – EACH – (limit 3 per day)
$30.00

Insufficient Funds/Overdraft Charge for “18-65” Accounts: NSF or overdrafts created by check, in person withdrawal, ATM withdrawal or other electronic means – EACH – (limit 3 per day)
$5.00

Uncollected Funds created by check, in person withdrawal, ATM withdrawal or other electronic means – EACH – (limit 1 per day)
$30.00

Uncollected Funds Charge for “18-65” Accounts created by check, in person withdrawal, ATM withdrawal or other electronic means – EACH – (limit 1 per day)
$5.00


Overdraft Protection Transfer Fee per day charged to account transferred from

$5.00

Christmas Club Early Withdrawal Fee
$5.00

Safe Deposit Box Fees

Replacement Key
$35.00

Late Payment
$5.00

Drilling of Box (plus cost to bank)
$100.00

Miscellaneous

Official Check Fees:

     Money Orders
$2.00

     Treasurer’s Checks
$5.00*

     Treasurer Chk or Money Order Reissue Fee
$25.00


Foreign Check Collection: (processing fees assessed by other banks for collection of a check will (or may) be added to the fees below)

     Check amounts less than $50,000
$23.00*

     Check amounts of $50,000 or more
$40.00*

Night Bag Replacement Fee
$20.00

Night Drop Replacement Key
$5.00

On-line Bill Payment (monthly)
N/C

Outgoing IRA Fee
$25.00

IRA Annual Fee
N/C

Research and Reconciliation Fee:

     Hourly
$25.00

     Statement Copy
$3.00

     Check Copy
$3.00*

Monthly Account Inactivity Fee on balances of $10.00 or less after 12 months

$1.00

Escheatment
$40.00

Signature Guarantee (customers only)
N/C

Levy/Garnishment/Legal Order
$40.00

Check Cashing Card
$5.00

Wire Transfer Fees

Domestic Wire Out Charge
$25.00

Foreign Wire Out Charge
$50.00

Wire In Charge
$8.00

 

* Indicates a change from previous fee schedule.

Fees may be reduced or eliminated based on relationship.
Please see a Customer Service Representative.