CENTRAL BANK FEE SCHEDULE

"Effective November 1, 2011"

 BOOKKEEPING AND CUSTOMER SERVICE FEES

Personal online banking - FREE
Personal FinanceWorks^TM - FREE
Online banking transfer - FREE
PhoneCentral transfer - FREE
Scheduled transfer via online banking - FREE
Telephone transfer - $5.00
Pre-authorized transfer (scheduled or via overdraft protection) - $5.00
Account E-statement - FREE
Statement reprint with images - $5.00 + $1.00/page (research fee may apply)
Account printout - $5.00
Check copy via online banking - FREE
Imaged item copy - per item - $3.00
Duplicate statement - monthly - $5.00
Special scheduled statement - per cycle - $5.00
Document copy - $3.00
Hold statement - monthly - $5.00

The categories of transactions for which an overdraft fee may be imposed are those by any
of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.
 

Non-sufficient funds/overdraft charge (NSF-OD) (whether paid or returned)
     1-5 items per statement cycle - $28.00 ea.
     6 or more items per statement cycle - $31.00 ea.

No charge on overdraft balances of $5 or less

Negative balance - per calendar day (personal accounts) - $3.00
Chargeback of item presented - $5.00
Reclearing of deposited item - $3.00
Special handling item* - $3.00
     *check missing signature, item with MICR alignment errors, re-qualified returns, etc.
Multiple signature verification - per item - $0.25
Stop payment  - per item - $30.00
Account reconciliation - per hour (1 hour minimum) - $25.00
Research - per hour (1 hour minimum - pre-paid) - $25.00

Garnishment, levy or lien - $10.00
Dormant account - monthly- $10.00
Inactive account - monthly (checking accounts only)** - $5.00
     **assessed if no activity for 6 months and balance is under $100
Account closed within 6 months from opening date - $15.00
Account closed between 6 and 12 months from opening date - $10.00
Indemnity bond for lost Certificate of Deposit, Official Check or Money Order - $25.00
IRA transfer - outgoing funds - $25.00
Health Savings Account
     Setup - $25.00
     Transfer - $25.00
     Excess contribution refund - $25.00
     Non-qualifying taxable distribution - $10.00

Written verification of account information - $5.00
Medallion Signature Guarantee (securities) provided only for bank customers - $10.00
Notary for non-customer - $10.00
Printed checks- Varies upon style

 

TELLER SERVICE FEES

Official Check (customers only) - $5.00
Money Order (customers only) - $3.00
Gift Card - $4.95
General Purpose Reloadable Card - $4.95
     In person reload - $0.90
Counter Check - $0.25
Foreign currency exchange or order - Quote available upon request
Foreign check processing - per item - $5.00
Pre-approved check cashing for non-customer - $10.00
Non-Central Bank and Trust ATM transactions*** - $1.50
     ***Additional charge may be assessed by the owner/operator of the ATM machine
ATM/Debit Card replacement or PIN replacement - $5.00
Expedited delivery of ATM/Debit Card - $100.00
Transactions in Foreign Countries****
    Currency conversion - .2% of amount transacted
    Cross-Border transaction - .8% of amount transacted
    ****Mastercard reserves the right to change fees.
Wire transfer
     Incoming - domestic - $6.00
     Incoming - international - $15.00
     Outgoing - domestic - $20.00
     Outgoing - international - $45.00

Collection item - $15.00
Photocopy - per page - $0.25
Fax (incoming & outgoing)
     1st page - $2.00
     Each additional page - $1.00
Night depository - locking bag - $20.00
Night depository - additional key - $5.00
Zipper deposit bag - $5.00

Safe Deposit Box rental - annual*****   

1½ x 5	$15.00
3 x 5	$25.00
4 x 5	$30.00
5 x 5	$30.00
3 x 10	$40.00
5 x 10	$50.00
10 x 10	$75.00

     ***** A $5 discount provided on Safe Deposit Box rental if annual fee is auto-debited from a CBT
deposit account
Box drilling - Quote available upon request

 

ONLINE BILL PAY

Online bill pay - Free
Customer originated debit returned by the Bank
     (charged in addition to the Bank's regular NSF-OD return fee) - $30.00
Stop payment - $30.00
Check copy - $3.00

 

ADDITIONAL FEES FOR COMMERCIAL ACCOUNTS

Negative balance - per calendar day - $25.00
Compact disc statement - $30.00
Positive Pay - monthly - 
     per account - $100.00
     per transaction - $0.05
     per returned item - $3.00
 

ACH Origination
     Setup - $100.00
     Per file - $5.00
     Per transaction - $0.10
     Chargeback of ACH item presented - $5.00
Payroll Cards
     Setup - $50.00
     per card - $2.50
     In person reload - $0.90
Basic Business online banking -monthly - $9.95
Basic Business online banking with bill pay -monthly - $15.95
Business online banking -monthly - $22.95
Each additional entity attached to Business online banking - $10.00
Business onine banking stop payment - per item - $25.00
Wire Transfer - Domestic wire transfer initiated through Business online banking - $17.00
Cash Management Sweep - monthly 
     Line of credit - $100.00
     Investment - $100.00
     Zero balance account (ZBA) - $35.00
     Integrated - $200.00
 

Lock box - Quote available upon request