FSSB: Business Disclosure

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FREE BUSINESS CHECKING
Online Banking
MINIMUM BALANCE TO OPEN		$250.00
MONTHLY MAINTENANCE SERVICE CHARGE		FREE
FREQUENCY OF STATEMENTS	MONTHLY
CHECKS PAID, DEPOSITED & SLIP POSTED, ACH CREDITS & DEBITS	EACH	$.15 OVER 100
RETURN ITEMS-INSUFFICIENT (INCLUDES ALL ACH & CHECKING ITEMS)	EACH	$37.00
RETURN ITEMS-INSUFFICIENT-PAID (INCLUDES ALL ACH & CHECKING ITEMS)	EACH	$47.00
RETURNED ITEMS-UNCOLLECTED FUNDS	EACH	$35.00
STOP PAYMENT (PER CHECK)	EACH	$35.00
OVERDRAFT ITEMS-PRE AUTHORIZED	EACH	$5.00
RETURNED DEPOSIT ITEMS (INCLUDES ALL ACH & CHECKING ITEMS)	EACH	$12.00
TELEPHONE TRANSFER REQUEST (PRE AUTHORIZED)	EACH	$2.00
PHOTOCOPY OF CHECKS**	EACH	$5.00
DAILY OVERDRAFT FEE	DAILY	$5.00
PAYROLL FILE ACH RE-ORIGINATION	EACH FILE	$10.00
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BUSINESS CHECKING
Online Banking
MINIMUM BALANCE TO OPEN		$250.00
FREQUENCY OF STATEMENTS	MONTHLY
CHECKS PAID, DEPOSITED & SLIP POSTED, ACH CREDITS & DEBITS*	EACH	$.15 OVER 100
MONTHLY MAINTENANCE FEE	FEE	$12.00
RETURN ITEMS-INSUFFICIENT (INCLUDES ALL ACH & CHECKING ITEMS)	EACH	$37.00
RETURN ITEMS-INSUFFICIENT-PAID (INCLUDES ALL ACH & CHECKING ITEMS)	EACH	$47.00
RETURNED ITEMS-UNCOLLECTED FUNDS	EACH	$35.00
STOP PAYMENT (PER CHECK)	EACH	$35.00
OVERDRAFT ITEMS-PRE AUTHORIZED	EACH	$5.00
RETURNED DEPOSIT ITEMS (INCLUDES ALL ACH & CHECKING ITEMS)	EACH	$12.00
TELEPHONE TRANSFER REQUEST (PRE AUTHORIZED)	EACH	$2.00
PHOTOCOPY OF CHECKS**	EACH	$5.00
DAILY OVERDRAFT FEE	DAILY	$5.00
PAYROLL FILE ACH RE-ORIGINATION	EACH FILE	$10.00
*Business checking Accounts Earning Credits: You will receive an earning offset based on the average daily balance of your account. This amount may offset some or all of the charges to your account. The earnings offset rate is based on the THREE(3) MONTH TREASURY BILL RATE.
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*BUSINESS BASIC (FREE* Sole proprietor/Non-Profit)**
Online Banking Available
MINIMUM BALANCE TO OPEN		$250.00
MONTHLY MAINTENANCE SERVICE CHARGE		FREE
FREQUENCY OF STATEMENTS	MONTHLY
RETURN ITEMS-INSUFFICIENT (INCLUDES ALL ACH & CHECKING ITEMS)	EACH	$37.00
RETURN ITEMS-INSUFFICIENT-PAID (INCLUDES ALL ACH & CHECKING ITEMS)	EACH	$47.00
RETURNED ITEMS-UNCOLLECTED FUNDS	EACH	$35.00
OVERDRAFT ITEMS-PRE AUTHORIZED	EACH	$5.00
RETURNED DEPOSIT ITEMS (INCLUDES ALL ACH & CHECKING ITEMS)	EACH	$12.00
TELEPHONE TRANSFER REQUEST (PRE AUTHORIZED)	EACH	$2.00
PAYROLL FILE ACH RE-ORIGINATION	EACH FILE	$10.00
RETURN ACH ORIGINATION	EACH	$5.00
PHOTOCOPY OF CHECKS**	EACH	$5.00
DAILY OVERDRAFT FEE	DAILY	$5.00
Stop Payment (per check)	EACH	$35.00
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BUSINESS PLUS (Sole Proprietor/Non-Profit)
Online Banking Available
MINIMUM BALANCE TO OPEN		$250.00
MONTHLY MAINTENANCE SERVICE CHARGE	FEE	$10.00 if average balance less than $500
FREQUENCY OF STATEMENTS	MONTHLY
Interest Earned on Average Balance	Refer to interest rate sheet
RETURNED ITEMS-INSUFFICIENT (INCLUDES ALL ACH & CHECKING ITEMS)	EACH	$37.00
RETURN ITEMS-INSUFFICIENT-PAID (INCLUDES ALL ACH & CHECKING ITEMS)	EACH	$47.00
RETURNED ITEMS-UNCOLLECTED FUNDS	EACH	$35.00
PAYROLL FILE ACH RE-ORIGINATION	FILE	$10.00
STOP PAYMENT (PER CHECK)	EACH	$35.00
OVERDRAFT ITEMS-PRE AUTHORIZED	EACH	$5.00
RETURNED DEPOSIT ITEMS (INCLUDES ALL ACH & CHECKING ITEMS)	EACH	$12.00
TELEPHONE TRANSFER REQUEST (PRE AUTHORIZED)	EACH	$2.00
PHOTOCOPY OF CHECKS**	EACH	$5.00
DAILY OVERDRAFT FEE	DAILY	$5.00
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YOU MAY ALSO APPLY FOR MERCHANT DEPOSITING.
**TO BE PAID IN ADVANCE OR CHARGED TO YOUR ACCOUNT.