FAQ For Our New Lynn and Nahant Customers

Q: I didn't receive a new debit card. What should I do?

A: You can ask for a card at either the Lynn or Nahant branch. One of our Banking Specialists will be happy to give you one.

Q: My debit card isn't valid when I try using it at an ATM.  How do I fix this?

A: You need to activate your card via phone before using. The number is on the front (1-800-992-3808). Please remember to notify any senders (online, pre-authorization utility payments, etc.) to update the card information on file (i.e. card number, expiration date, and security code).

Q: I can't log in to my account with my existing credentials. Why is that?

A: You may be using the registration page instead of the login page. Please go to the Online Banking Sign-in Page and enter your username and password.

Q: Why is my account balance showing as zero when I log in?

A: You can no longer access your balance using the CHB website. Please visit readingcoop.com to log in to Online Banking.

Q: What is the bank routing number?

A: The routing number is 211372404.

Q: Why am I having issues with Telephone Banking?

A: You need to use the last four digits of your social security number to get started, not your existing CHB pin number.

 

LETTER FROM OUR PRESIDENT

Welcome New Customers!

Reading Cooperative Bank (RCB) and Coastal Heritage Bank (CHB) are like-minded institutions with storied histories of community-first banking. The agreement to bring CHB’s Lynn and Nahant locations into the RCB fold is true to who we are and who we want to be: a strong, depositor-owned cooperative bank committed to serving our customers and communities. We are steadfast in our mission to live up to our local reputation, having been founded in 1886 by working-class people needing access to funds to buy their own homes. To this day, it’s you and your voice that matters at RCB.

This is the first acquisition in our bank’s 135-year history, and it is fitting, since we celebrate “cooperative” in everything that we do, that CHB’s Lynn and Nahant branches were once the second oldest remaining cooperative bank founded in Massachusetts. In becoming members of the RCB family, these two branches are returning to their roots, aligned with our cooperative philosophy. It is also a full circle moment for residents of Reading, Lynn, and the surrounding communities, as the Town of Reading was originally a part of Lynn Village before being incorporated as a separate town in 1644.

We are welcoming the team from CHB’s Lynn and Nahant branches as valued employees of Reading Cooperative Bank. If you have any questions, feel free to reach out to Hope (in Lynn) or Kerry (in Nahant). They will have the most up-to-date information throughout the process.

Please know that we will always make decisions for the bank that are based on what is best for our community, our employees, and the customers we serve. We hope you will take a moment to learn more about us by visiting readingcoop.com.

We look forward to helping you reach all your financial goals at RCB.

Julieann M. Thurlow,
President & CEO, Reading Cooperative Bank

 

Getting Started

Log in to Online Banking at readingcoop.com using your existing CHB username and password.

Please securely dispose of your old CHB debit card by cutting or shredding it. You can activate and begin using your new contactless RCB debit card.

Lynn (781-599-5600)
400 Broadway, Lynn, MA
Monday - Thursday 8:30 am – 4:30 pm
Friday 8:30 am – 5:00 pm
Saturday 8:30 am – 12:00 pm

Nahant (781-595-1990)
28 Nahant Road, Nahant, MA
Monday - Thursday 8:30 am – 4:30 pm
Friday 8:30 am – 5:00 pm
Saturday 8:30 am – 12:00 pm

Questions?

Please call Reading Cooperative Bank at 781.942.5000
Monday – Friday 8 am – 5 pm

Bank Routing Number: 211372404
Telephone Banking Number: 888.469.4441
Bank By Mail Address: Reading Cooperative Bank, PO Box 330, Reading, MA 01867
Loan Payment Mailing Address: 180 Haven Street, Reading, MA 01867

Download Our Mobile App! 

      Google Play Store                App Store

 

More Locations:

Andover
20 Central Street, Andover, MA
Monday - Friday 8:00 AM – 5:00 PM
Saturday 9:00 AM - 2:00 PM

North Reading
170 Park Street, North Reading, MA
Monday - Friday 8:00 AM – 5:00 PM
Saturday 9:00 AM - 2:00 PM

Reading
180 Haven Street, Reading, MA
Monday - Friday 8:00 AM – 5:00 PM
Saturday 9:00 AM - 2:00 PM

Wilmington (Two Locations)
352 Middlesex Avenue, Wilmington, MA
230 Lowell Street, Wilmington, MA
Monday - Friday 8:00 AM – 5:00 PM
Saturday 9:00 AM - 2:00 PM

Burlington
10 Wall Street, Burlington, MA
Monday - Friday 9:00 AM – 5:00 PM
Saturday CLOSED

Wakefield (NEMT Branch)
100 Hemlock Road, Wakefield, MA
Monday - Friday During school’s hours of operation
Saturday CLOSED

Reading Memorial High School
High School Community ONLY
62 Oakland Road, Reading, MA
Monday - Friday During school’s hours of operation
Saturday CLOSED

 

Transition Highlights

The Lynn and Nahant CHB branches will open as Reading Cooperative Bank offices on Monday, November 8th, 2021. All branch hours will remain the same at this time.

Account Number(s)

Your account number(s) will transfer to RCB unchanged. Your account name, number and monthly account maintenance fees will remain unchanged. Please refer to the Terms & Conditions and other important documentation provided in this mailer.

Courtesy Overdraft Program (COP)

Effective on the business date of November 8th, CHB’s Courtesy Overdraft Program will no longer be available. RCB does not offer a Courtesy Overdraft Program. Please refer to the Terms & Conditions and other important documentation provided in this mailer. To learn more about available options, speak with a Banking Specialist.

Fees

Please refer to fee information on pages 15-18. Fees are effective on Monday, Novemeber 8th.

Electronic Deposits & Payments

For your direct deposits, payments, and transfers to continue without interruption, please contact the company of your originating electronic transactions with your new bank routing number: 211372404.

Checks

We will be sending you new checks a week before the transition. Log in to Online Banking to place your next order. If you need further assistance, contact RCB. Please completely destroy any unused CHB checks.

Deposit Statements

A final statement from CHB will be generated on Friday, November 5th. You will receive your RCB statement at the conclusion of the month with all activity from November 6th – November 30th.

If you are currently enrolled in e-statements, you will continue to receive an email notification that your e-statement is ready. Enroll in Online Banking and you will have access to up to 13 months of your past statement history and up to 16 months of your online account history.

Debit Cards

CHB cardholders will receive a new contactless RCB debit card prior to the transition. Instructions for using your new card will be enclosed with the card.

Your RCB debit card will arrive with specific instructions on when to dispose of your old CHB cards after Friday, November 5th and how to begin using the new RCB card on Monday, November 8th.

To select your PIN and activate the card, you must call 1-800-992-3808.

If you do not receive your card in the mail by the weekend of November 5th, please call RCB at 781.942.5000.

If you have set up card alerts and transaction blocks, they will need to be reestablished.

RCB has card limits that may differ from CHB. Daily card limits are: ATM $1000 / Debit Card $3000

Debit card services are subject to the terms, conditions, and fees outlined in pages 15-25.

ATM Access

All RCB ATMs are fee free to you.

Online & Mobile Banking

You will not have to re-enroll, but will have to accept terms and conditions and update Security Challenge questions during your initial login. Your CHB Online Banking service will be disconnected on Friday, November 5th. You will be able to access your accounts through RCB’s Online Banking beginning Monday, November 8th using your existing CHB username and password.

Up to 13 months of statements and up to 16 months of transaction history will be available. Enroll in RCB’s Online Banking at readingcoop.com or download the Mobile App by searching Reading Cooperative Bank in the Google Play or Apple Store (see front cover for convenient QR codes). If you use facial recognition or fingerprint to access mobile banking, you will need to activate that feature in the RCB app.

Within Online and Mobile Banking, RCB offers several P2P solutions, including Venmo in place of Zelle.

Online Bill Pay

Great news! Following the transition, your online bill payments will look and feel the same.
We expect that all preexisting transfers, alerts, and Bill Pay information will automatically carry over, including payees, recurring payments, future-dated payments, ebills, and history, but we suggest you verify that the information is correct. Your payments will continue uninterrupted and will be processed in the same manner as before. If you have more than one account, please confirm that the payment is being drawn from the intended account.

The CHB Bill Pay service will be discontinued on Friday, November 5th. You will have access to RCB’s Bill Pay after logging into Online or Mobile Banking on Monday, November 8th.

Quicken & QuickBooks

If you are using Quicken and QuickBooks, you will need to deactivate from CHB and reactivate with RCB on November 8th. In order to maintain history, you should act prior to the transition by updating your history & backing up all data. After the transition, please visit readingcoop.com/quicken-quickbooks for instructions on how to link your accounts to RCB’s Online Banking.

Telephone Banking

After November 8th, simply dial 888.469.4441 to use RCB Telephone Banking. Once you call, you will be prompted to enter your account number. The temporary PIN will be the last four digits of your social security number or Tax ID number. If you need assistance, please call RCB at 781.942.5000.

FDIC Insurance & DIF Insurance

Your deposit accounts are insured in full.

Certificates of Deposit (CDs)

There will be no change in rate, term, or maturity date.

Incoming Wire-Transfers Instruction
For details, visit readingcoop.com/wire-transfers

Tax Reporting

At the end of the year, CHB will send its tax documentation. RCB will send tax documentation for qualifying activity from November 6th through the end of the year.

Safe Deposit Boxes

Your safe deposit box and its contents will remain at its current location with the same keys. The next annual bill you receive (following November 8th) will come from RCB.

Bank By Mail

By November 5th, if you intend to bank with us by mail, please send your deposits or transactions to: Reading Cooperative Bank, PO Box 330, Reading, MA 01867

Individual Retirement Account

RCB will become your IRA custodian as of November 6th, 2021. The IRA annual fee will be charged to your account in December. You can expect tax return documents from both CHB & RCB for the tax year ending December 31st, 2021. If you are aged 72 or older, you will be able to take the remainder of your required minimum distribution at RCB. If your required minimum distribution has not been satisfied for 2021, please call 781.942.5000.

Mortgages, Commercial
Loans & Lines of Credit

We are committed to making the transition of your loan to RCB as seamless as possible.

Making Payments &
Contacting Us

Keep an eye out in the mail for a notice regarding your loan account. This notice will contain information on where and when to send your loan payment. If you have not already, please change the mailing address to Reading Cooperative Bank at: 180 Haven Street, Reading, MA 01867.

The first statement that you get from RCB will be due in December and will arrive around the middle of November.

Your Loan Account Number Will NOT Change!

The terms and conditions expressed in your current loan documents will remain the same, including the interest rate and the date your payment is due.

All loan customers should contact their insurance carrier to change the lienholder clause from CHB to RCB. The lienholder clause should read:
Reading Cooperative Bank, ISAOA, ATIMA, PO Box 5304, Norwell, MA 02061

Home Equity Line of Credit

RCB checks will be mailed to you for use after November 8th.

Commercial Loans & Lines of Credit

Your CHB Loans and Lines of Credit will transition to RCB Loans and Lines of Credit. We are excited to have you as a customer. To learn more about our lending services, please visit readingcoop.com/borrow/mortgage. You can also reach us by phone at 781.942.5000 or by email at banking@readingcoop.com.

Business

RCB is committed to serving the needs of the businesses that fuel our communities. We offer all the accounts and services your business needs to thrive, with the personal attention and guidance you deserve.

If your account is an IOLTA account, you will be transitioned into an IOLTA account at RCB.

Business Product Transition Guide

On this page, you will find all the details you need to prepare for the transition from CHB to RCB.

Your Online Bill Pay service will continue uninterrupted, including payees, recurring payments, and future-dated payments.

Your Online Banking login information will not change. However, business admins will no longer be  able to add users. Please contact RCB at 781.942.5000 and we will add users for you.

Business Services

Services designed with your business in mind! There is a lot that goes into making a business work. From deposits to payroll to purchases and  beyond, RCB is ready to help. We offer the same services those big national banks offer, but with  one key difference: We treat you like our most important customer, no matter the size of your company.

Business Checks

We will be sending you new checks prior to the transition. To order business checks, accessories and supplies, please call 800-503-2345 or visit ordermychecks.com.

Merchant Services

If you use Merchant Services to process debit or credit card payments, you will need to notify that provider of the RCB routing number (211372404) and your account number to ensure proper credit of  payments.

Online Wire Transfers

Send money to both personal and business accounts in the U. S. and around the world using Online Banking. Ask a Banking Specialist to get started. For information on incoming wire instructions, visit readingcoop.com/wire-transfers.

To learn more about any of our business products or services, please visit your local branch, readingcoop.com/business, or call a Banking Specialist at 781.942.5000.

Privacy

For information on RCB's policy regarding personal information, please visit readingcoop.com/help/privacy.

Personal Fee Disclosure

Fees in red indicate change from CHB fee schedules, which are effective on Monday, November 8th.

OVERDRAFTS (1)
Insufficient Funds Charge for Overdraft Items or Returned Items by Check, ATM, Debit Card, POS transactions, ACH or other means (per item) .................................................................................................................................................................................$30.00

Sustained Overdraft Fee (2)......................................................................................................................................$5.00

RETURN DEPOSITED ITEM (3)
Deposited or cashed check returned unpaid...........................................................................................................$7.11

STOP PAYMENT (4)................................................................................................................................................$30.00

PASSBOOK REPLACEMENT FEE (Lost or Stolen)..................................................................................................$15.00

DORMANT ACCOUNT FEE
(Beginning of the 13th month of inactivity)................................................................................................................$5.00

LINKED PROTECTION FEE (per transfer) (9)..............................................................................................................$5.00

BANK CHECKS
Official Bank Check (Customers Only)........................................................................................................................$4.00
Money Order (Customers Only)..................................................................................................................................$2.00

Stop Payment/Reissue of an Official Bank Check/Money Order..............................................................................$30.00
Copy of Paid Official Bank Check/Money Order........................................................................................................$20.00

COLLECTION ITEMS
Domestic Check Collection.......................................................................................................................................$15.00
Canadian Check Collection up to $2,000 USD
(US dollars or Canadian dollars)...............................................................................................................................$40.00
Other Foreign Check Collection................................................................................................................................Varies
(Minimum $150 & maximum $300)

LIENS & WRITS (Each)............................................................................................................................................$75.00

SUBPOENA (per hour, min. 1 hour).........................................................................................................................$75.00

LEVIES
Commonwealth of Massachusetts...........................................................................................................................$75.00

IRS.............................................................................................................................................................................$75.00

RESEARCH (Back Office/In Branch)
Account Research Fee
(per hour, min. 1 hour)................................................................................................................................................$50.00
Statement Copy Print Fee (per statement).................................................................................................................$10.00

Check Copies (first 10 checks free/then
hourly research fee applies).......................................................................................................................................$50.00
Other Documentation Duplication..............................................................................................................................$25.00
CPA Confirmations ....................................................................................................................................................$25.00

UNCLAIMED PROPERTY
Escheatment Fee........................................................................................................................................................$50.00

ACCOUNT CLOSURE
By Mail.........................................................................................................................................................................$10.00
Within Initial 6 Months of Opening..............................................................................................................................$25.00

RETURN MAIL CHARGE...............................................................................................................................................$5.00

REPLACEMENT NIGHT DEPOSIT BAGS
(PER BAG) ..................................................................................................................................................................$25.00

COIN MACHINE FEE 
Customers.....................................................................................................................................................................Free
Non-Customers.............................................................................................................................................................8.00%

FOREIGN CURRENCY PURCHASE
(Minimum purchase amount $500 US equivalent) 
Customers.....................................................................................................................................................................Free
Non-Customers.............................................................................................................................................................$10.00

NOTARY PUBLIC FEE.....................................................................................................................................................Free

WIRE TRANSFERS
Outgoing/Incoming
Domestic.......................................................................................................................................................................$20.00
Foreign..........................................................................................................................................................................$40.00
Wire Investigation.........................................................................................................................................................$25.00
Wire Rejection...............................................................................................................................................................$10.00

ONLINE BANKING (readingcoop.com)
Account Access & Inquiry.................................................................................................................................................Free
Transfers between RCB Accounts....................................................................................................................................Free
Online Bill Payment...........................................................................................................................................................Free

EXPEDITE BILL PAYMENT
Overnight Check Payment..............................................................................................................................................$12.95
Same Day Bill Payment....................................................................................................................................................$9.95

MOBILE BANKING (iPhone®, iPad®, AndroidTM) ..........................................................................................................Free

TELEPHONE BANKING (1-888-469-4441)........................................................................................................................Free

ATM/MASTERMONEY™ CARDS (5)
ATM Card..........................................................................................................................................................................Free
MasterMoney™ Card.........................................................................................................................................................Free
Transaction at RCB ATMs.................................................................................................................................................Free
Transaction at MoneyPass ATMs.....................................................................................................................................Free
Transactions in Currencies Other Than US Dollar (7) ICA-CCA  Fees..............................................................................1.10%
Temporary ATM Card........................................................................................................................................................Free
Overdraft............................................................................................................................................................................$30.00
Card Replacement Fee......................................................................................................................................................$10.00
Card Replacement – Express Delivery..............................................................................................................................$75.00

INDIVIDUAL RETIREMENT PLAN (IRA)
Annual Service Fee (per account holder)..........................................................................................................................$10.00
IRA External Transfer Fee..................................................................................................................................................$50.00

HEALTH SAVINGS ACCOUNT (HSA)
Annual Service Fee (per account)......................................................................................................................................$10.00

SAFE DEPOSIT BOX
Box sizes and annual fees vary by location. Ask for details.
Box Drilling minimum (6)...................................................................................................................................................$200.00
Key Replacement minimum (6)...........................................................................................................................................$20.00
Late Charge (after 30 days of due date)...............................................................................................................................$5.00

Box & Contents NOT Insured by FDIC or DIF

CHECK PRINTING
Check printing cost will vary according to style and quantity of checks ordered. Please ask a Banking Specialist for more information.

(1) 18/65 overdraft fee $5.00.
(2) Applied daily after the 5th calendar day of overdraft status.
(3) Subject to change as determined by the Office of the Commissioner of Banks.
(4) Special rules apply if account owner is 18 years or younger or if the account owner is 65 years and older. Ask for details.
(5) Surcharges may be assessed by other institutions for the use of their ATM.
(6) Minimum fee shown. Charge may be higher based on actual costs incurred by Bank.
(7) Charged as a percentage of conversion amount.
(8) Payment of fees may be required prior to providing the requested service. The bank may assess other fees, based on the complexity of the requested service. Some fees are assessed to the loan account and will be billed and payable in the next billing statement.
(9) Please see the Consumer Terms and Conditions of your account containing transaction limitations.

LOAN ACCOUNT FEES(8)
Payoff Request Letters.......................................................................................................................................................No Charge
Lien Release Fee
Residential Property............................................................. .................................................................................................$50.00
Commercial Property...........................................................................................................................................................$200.00

CONSUMER AND RESIDENTIAL LOANS
Recast Mortgage Request...................................................................................................................................................$300.00
Closing Documentation Redraw Fee:
Residential Loan..................................................................................................................................................................$175.00

HOME EQUITY
Subordination Fee................................................................................................................................................................$300.00

MISCELLANEOUS LOAN FEES
Research Fee (per hour, minimum 1 hour)............................................................................................................................$50.00
Reissue/Confirmatory Discharge Fee....................................................................................................................................$50.00
Copies of File Documents......................................................................................................................................................$10.00
Partial Release of Collateral.................................................................................................................................................$200.00
Subpoena (per hour, min. 1 hr.)..............................................................................................................................................$75.00

This fee disclosure may be amended at any time.

Business Schedule of Fees

Fees in red indicate change from CHB fee schedules, which are effective on Monday, November 8th.

OVERDRAFTS
Insufficient Funds Charge for Overdraft Items or Returned Items by Check, ATM, Debit Card, POS transactions, ACH or other means (per item).......................................................................................................................................................................................$30.00
Sustained Overdraft Fee(1)......................................................................................................................................................$5.00

RETURN DEPOSITED ITEM(2)
Deposited or cashed check returned unpaid...........................................................................................................................$7.11

STOP PAYMENT.....................................................................................................................................................................$30.00

FOREIGN CURRENCY PURCHASE
(Minimum purchase amount $500 US equivalent)
Customers..............................................................................................................................................................................Free
Non-Customers......................................................................................................................................................................$10.00

BANK CHECKS
Official Bank Check (Customers Only)...................................................................................................................................$4.00
Money Order (Customers Only).............................................................................................................................................$2.00

Stop Payment/Reissue of an Official Bank
Check/Money Order..............................................................................................................................................................$30.00
Copy of Paid Official Bank Check/Money Order....................................................................................................................$20.00

COLLECTION ITEMS
Domestic Check Collection....................................................................................................................................................$15.00
Canadian Check Collection up to $2,000 USD
(US dollars or Canadian dollars)............................................................................................................................................$40.00
Other Foreign Check Collection.............................................................................................................................................Varies
(Minimum $250 & maximum $300)

LIENS & WRITS (Each)..........................................................................................................................................................$75.00

SUBPOENA (per hour, min. 1 hour).......................................................................................................................................$75.00

LEVIES
Commonwealth of Massachusetts.........................................................................................................................................$75.00

IRS...........................................................................................................................................................................................$75.00

RESEARCH (Back Office/In Branch)
Account Research Fee (per hour, minimum 1 hour).................................................................................................................$50.00
Statement Copy Print Fee (per statement)...............................................................................................................................$10.00
Check Copies (first 10 checks free/then
hourly research fee applies)......................................................................................................................................................$50.00
Other Duplicate Documents (each)...........................................................................................................................................$25.00
CPA Confirmations....................................................................................................................................................................$25.00

UNCLAIMED PROPERTY
Escheatment Fee......................................................................................................................................................................$50.00

ADDITIONAL MONTHLY STATEMENT.......................................................................................................................................$50.00

DORMANT ACCOUNT FEE
(Beginning of the 13th month of inactivity)..............................................................................................................................$5.00

LINKED PROTECTION FEE (per transfer)(8)..............................................................................................................................$5.00

ACCOUNT CLOSURE
By Mail.......................................................................................................................................................................................$10.00
Within Initial 6 Months of Opening............................................................................................................................................$25.00

RETURN MAIL CHARGE............................................................................................................................................................$5.00

REPLACEMENT NIGHT DEPOSIT BAGS
(PER BAG).................................................................................................................................................................................$25.00

COIN MACHINE FEE
Customers...................................................................................................................................................................................Free
Non-Customers...........................................................................................................................................................................8.00%

WIRE TRANSFERS
Outgoing/Incoming
Domestic....................................................................................................................................................................................$20.00
Foreign.......................................................................................................................................................................................$40.00
Wire Investigation......................................................................................................................................................................$25.00
Wire Rejection............................................................................................................................................................................$10.00

ONLINE BANKING (readingcoop.com)
Account Access & Inquiry...........................................................................................................................................................Free
Transfers Between RCB Accounts..............................................................................................................................................Free
Online Bill Payment.....................................................................................................................................................................Free
EFT Security Tokens (each)........................................................................................................................................................$6.00/month
User Entitlements(6)...................................................................................................................................................................$25.00/month

EXPEDITE BILL PAYMENT
Overnight Check Payment..........................................................................................................................................................$12.95
Same Day Bill Payment.................................................................................................................................................................$9.95

MOBILE BANKING (iPhone®, iPad®, AndroidTM).......................................................................................................................Free

TELEPHONE BANKING (1-888-469-4441)....................................................................................................................................Free

ACH
Return Originated Item Fee..........................................................................................................................................................$7.50
Origination File Reversal Fee......................................................................................................................................................$25.00

ATM/DEBIT BUSINESS CARDS(3)
ATM Card.......................................................................................................................................................................................Free
Debit Business MasterCard™.........................................................................................................................................................Free
Transaction at RCB ATMs..............................................................................................................................................................Free
Transaction at MoneyPass ATMs..................................................................................................................................................Free
Transactions in Currencies Other Than US Dollar(7)

ICA-CCA Fees.................................................................................................................................................................................1.10%
Overdraft.....................................................................................................................................................................................$30.00
Card Replacement Fee................................................................................................................................................................$10.00
Card Replacement – Express Delivery........................................................................................................................................$75.00

SAFE DEPOSIT BOX
Box sizes and annual fees vary by location. Ask for details.
Box Drilling (minimum)(4).........................................................................................................................................................$200.00
Key Replacement (minimum)(4).................................................................................................................................................$20.00
Late Charge (after 30 days of due date).......................................................................................................................................$5.00

Box & Contents NOT Insured by FDIC or DIF

CHECK PRINTING
Check printing cost will vary according to style and quantity of checks ordered. Please ask a Banking Specialist for more information.
(1) Applied daily after the 5th calendar day of overdraft status.
(2) Subject to change as determined by the Office of the Commissioners of Banks.
(3) Surcharges may be assessed by other institutions for the use of their ATM. Surcharges can be avoided by choosing MoneyPass ATMs designated with a decal on or near the exterior of the ATM.
(4) Minimum fee shown. Charge may be higher based on actual costs incurred by Bank.
(5) Subject to account analysis and earnings credit.
(6) Fee as shown, except subject to account analysis and earnings credit with Enterprise Business Checking
(7) Charged as a percentage of conversion amount.
(8) Please see the Business Terms and Conditions of your account containing transaction limitations.

CASH MANAGEMENT SERVICES

ACH ORIGINATION MONTHLY FEES (6).
ACH Origination Set Up Fee.......................................................................................................................................................$40.00
Files Per Month Service Charge Up to 4....................................................................................................................................$25.00
5.................................................................................................................................................................................................$35.00
6.................................................................................................................................................................................................$40.00
7.................................................................................................................................................................................................$45.00
8.................................................................................................................................................................................................$50.00
9.................................................................................................................................................................................................$60.00
10...............................................................................................................................................................................................$70.00
11...............................................................................................................................................................................................$75.00
12...............................................................................................................................................................................................$80.00
13...............................................................................................................................................................................................$90.00
14 ..............................................................................................................................................................................................$95.00

ACH Risk Monitoring Fee(6)......................................................................................................................................................$25.00
Business Online Banking Entitlements......................................................................................................................................$25.00
Positive Pay Check Fraud Protection
Monthly Fee(6)...........................................................................................................................................................................$25.00
Positive Pay Per Item Fee(6).....................................................................................................................................................$0.005
Positive Pay Mismatch Item Fee(6)............................................................................................................................................$0.10

REMOTE DEPOSIT SERVICES
Remote Deposit Service Fee(5)..................................................................................................................................................$50.00
Per Imaged Item Fee...................................................................................................................................................................$0.10
Scanner........................................................................................................................................................................................Varies

MISCELLANEOUS LOAN FEES
Research Fee (per hour, minimum 1 hour).................................................................................................................................$50.00
Reissue/Confirmatory Discharge Fee.........................................................................................................................................$50.00
Copies of File Documents...........................................................................................................................................................$10.00
Partial Release of Collateral......................................................................................................................................................$200.00
Subpoena (per hour, min. 1 hr.)...................................................................................................................................................$75.00
Loan Documentation Preparation/Review Fee
Commercial Loans.....................................................................................................................................................................$350.00

This fee schedule may be amended at any time.

*Please click here to see the Notice of Change to Terms and Conditions of Business and Consumer Accounts*