Schedule of Charges
Consumer Banking

 

Pinnacle Checking (NOW)
Monthly Maintenance Fee — $20.00
Charge waived if:

  • average daily balance* is $25,000 or more during the statement cycle OR
  • the average daily balance* in all linked deposit accounts and all linked personal loan accounts is not less than $50,0001

Pinnacle Account Benefits (included at no charge)

  • Unlimited Out of Network ATM Surcharges2
  • Wallet Style Checks3
  • Incoming Domestic Wires
  • Official Bank Checks
  • Stop Payment Orders
  • Medallion Guarantee Services
  • Signature Guarantee Services
  • Notary Services
  • Counting Loose Coin


Charter Checking (NOW)

Monthly Maintenance Fee — $12.00
Charge waived if:

  • average daily balance* is $1,250 or more during the statement cycle OR
  • a total of $750 in direct deposits are made during the statement cycle OR
  • the average daily balance* in all linked deposit accounts and all linked personal loan accounts is not less than $10,0001

Four (4) out of network ATM surcharges rebated per statement cycle.2

Health Savings Account (HSA) (NOW)
Annual Maintenance Fee — $15.00
No minimum balance required.


All Access

Monthly Maintenance Fee — $8.00
Charge waived if:

  • at least two (2) bill payments4 are made during the statement cycle using Fairfield County BankConnect24SM Online Banking and Bill Pay OR
  • at least eight (8) point of sale (POS) transactions5 are made during the statement cycle using your Fairfield County Bank Debit Card

There is a $4.00 monthly paper statement fee with this account. You can waive this fee by enrolling in E-Statements through Connect24 Online Banking.


Money Market Accounts

Monthly Maintenance Fee — $10.00
Charge waived if average daily balance* is $2,500 or more during the statement cycle.


Savings Accounts
Monthly Maintenance Fee — $5.00
Charge waived if average daily balance* is $500 or more during the statement cycle, or if the depositor1 is under the ageof 22 or over the age of 50.

Excess Transaction Charge
(Applies to money market accounts and savings accounts)
Transfers or checks in excess of the regulatory limits — $20.00
(Charge per check or transfer for each occurrence exceeding 6 per statement cycle)


Overdraft Charges
(Applies to Checks, ACH, Recurring POS, Pre-authorized transfers, Bill Pay, Account to Account transfer transactions, and certain bank fees and miscellaneous charges that may cause the account balance to go negative)

Overdraft-Insufficient Funds-Paid or Returned — $37.00
Overdraft-Uncollected Funds-Paid or Returned — $37.00
Daily Negative Balance Fee — $10.00
(each day the balance of account is negative)


ATM/VISA® Debit Card
ATM/VISA Debit Card Replacement — $10.00
ATM/VISA Debit Card Special Handling — $50.00
ATM/VISA Debit Card International Special Handling Fee — $75.00
ATM Surcharges — varies
When you use an ATM not owned or operated by us, you may be charged a fee by the ATM operator, and you may be charged a fee for a balance inquiry even if you do not complete the funds transfer.


Online Banking

Connect24SM Online Banking — Free
Connect24 Online Bill Pay — Free
E-Statements — Free

Bill Pay Service — the following charges may apply:
Bank Overdraft Fee Insufficient Funds Paid or Returned — $37.00
CheckFree Overdraft Fee Insufficient Funds Returned — $20.00
CheckFree Reimbursement for Collection Fees on Returned Items — varies
Bill Pay Same Day Payment Fee — $14.95
Bill Pay Overnight Check Fee — $19.95
Stop Payments — $37.00

Popmoney Service – the following fees may apply:
Popmoney Person to Person Payment 3-Day (per payment) — No charge
Popmoney Person to Person Payment Next Day Service (per payment) — $2.00
Popmoney Request Money (per request) — $0.75
Popmoney eGreeting (per eGreeting) — $1.00
Popmoney Person to Person Stop Payment Fee — $34.00
Bank Overdraft Fee Insufficient Funds Paid or Returned — $37.00
CheckFree Overdraft Fee Insufficient Funds Returned — $20.00
CheckFree Reimbursement for Collection Fees on Returned Items — varies


Wire Transfers
Incoming Domestic Wire Fee — $15.00
Outgoing Domestic Wire Fee — $25.00
Incoming International Wire Fee — $25.00
Outgoing International Wire Fee — $50.00
Returned Wire Fee — $50.00
(per wire from incoming financial institutions)
Wire Transfer / Tracer/ Confirmation — $25.00


Miscellaneous Charges
Account Closed Fee within 182 days of the opening date — $20.00
Bank Service of Process Fees — $85.00
(Levies, Garnishments, Tax Warrants, etc.)
Check Printing and Delivery Charges — varies
Collection of Foreign and Domestic Checks and Drafts (per collection) — varies
(Foreign Currency Checks and Drafts – The fee will be equal to the greater of: $25.00 or 1.50% of the collection amount)
(U.S. Currency – The fee will equal $25.00)
Copies of deposited items, paid items, withdrawals, statements, checks presented, or deposit tickets (per item) — $5.00
(Additional research charge may apply)
Counting Loose Coin — varies
(10% of the total amount counted for non-customers)
Dormancy Charge (per month) — $8.00
(Charge applies when account has had no activity during the previous 12 months and the average daily balance* of the account is less than $5,000 during the monthly cycle)
Foreign Currency Purchases and Returns — varies
Interim Statements — $10.00
IRA Account Transfer Fee — $25.00
Medallion Guarantee Services (for customers only) — $25.00
Notary Services Fee — $5.00
Official Bank Check — $10.00
Overnight Mail Fee — $35.00
Research Fee (per hour or any portion of an hour) — $25.00
Returned Deposit Item Fee — $25.00
Returned Mail Fee — $10.00
(Returned statements, debit cards, and other official documents)
Safe Deposit Box Drilling — $50.00
(plus technicians fee)
Safe Deposit Box Late Charge (per month) — $5.00
Safe Deposit Lost Key (per key) — $25.00
Signature Guarantee Services — $25.00
(for customers only)
Stop Payments — $37.00
Temporary Checks (per check) — $2.00
Transfer Fee — $5.00
(For transfers generated by the system from one deposit account to another)
Verification of Deposit Form — $15.00


Disclosures

*The average daily balance is calculated by adding the funds on deposit in the account each day of the statement or monthly cycle and dividing that figure by the number of days in the statement cycle.

1 Based on tax reporting owner.

2 ATM surcharges for use of ATMs not owned or operated by Fairfield County Bank are rebated at the end of the month for transactions in the United States. International terminal surcharges may apply.

3 Only Classics Single Wallet Style - Blue Sheffield®, Green Sheffield®, or Maroon Sheffield®

4 Payment must settle or debit the account during the statement cycle.

5 Transactions may be either PIN or signature authorized and must debit the account during the statement cycle. Transactions conducted at ATMs do not count as POS transactions and are ineligible toward the monthly fee waiver requirements.

 

 

Member FDIC        HTMLVERSION08/2018

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