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ROCK SPRINGS NATIONAL BANK
DISCLOSURE OF FEES, AND ACCOUNT TERMS
CHECKING ACCOUNTS

MINIMUM BALANCE REQUIREMENTS

• THE MINIMUM INITIAL DEPOSIT REQUIRED TO OPEN THIS ACCOUNT IS $100
• MONTHLY MAINTENANCE FEE OF $4 AND ACTIVITY FEE OF $ 0.20 PER CHECK WILL BE IMPOSED IF THE DAILY BALANCE FALLS BELOW $300 ANY DAY OF THE STATEMENT CYCLE

FEES AND OTHER TERMS

• $15 FOR INSUFFICIENT FUNDS ITEM PAID
• $15 FOR INSUFFICIENT FUNDS ITEM RETURNED UNPAID
• $20 FOR INSUFFICIENT FUNDS ELECTRONIC ITEM (ACH OR CHECK CARD TRANSACTIONS)
• $2 FOR DEPOSITED ITEM RETURNED
• $15 FOR STOP PAYMENT REQUEST
• $15 FOR STOP PAYMENT ON A MONEY ORDER PURCHASED
• $20 FOR CHECKS THAT ARE INSUFFICIENT OR UNCOLLECTED FUNDS THAT ARE WRITTEN OWNER TO OWNER DRAWN ON ANOTHER FINANCIAL INSTITUTION
• $20 FOR DEPOSITED ITEM RETURNED OVER $2,500
• $2 FOR EACH ADDITIONAL PRINTED STATEMENT
• $2 FOR EACH TELLER ASSISTED PHONE TRANSFER BEING CREDITED TO YOUR ACCOUNT IF YOUR ACCOUNT BALANCE FALLS BELOW $300 IN THE STATEMENT CYCLE
• $5 MONTHLY DORMANT ACCOUNT FEE IF FOR 365 DAYS (PREVIOUS) THERE IS NO ACTIVITY, INDICATION IN WRITING FROM YOU OF AN INTEREST IN THIS ACCOUNT, OR CONTACT WITH YOU IS LOST
• $3 OVERDRAFT FEE FOR EACH DAY YOUR ACCOUNT IS OVERDRAWN BY $5 OR MORE
• $20 PER HOUR FOR HELP WITH BALANCING YOUR CHECKING ACCOUNT
• INITIAL CHECK PRINTING COSTS VARIES DEPENDING ON STYLE OF CHECK
• MAINTENANCE AND ACTIVITY FEES WILL BE WAIVED FOR SENIOR CITIZENS AGE 62 OR OLDER
• THIS ACCOUNT WILL CONSIST OF A CHECKING SUB ACCOUNT AND A SAVINGS SUB ACCOUNT.  THE BANK MAY PERIODICALLY TRANSFER FUNDS BETWEEN THESE TWO SUB ACCOUNTS.  IF YOUR ACCOUNT IS A PLAN ON WHICH INTEREST IS PAID, YOUR INTEREST CALCULATION WILL REMAIN THE SAME.  OTHERWISE, THE SUB SAVINGS ACCOUNT WILL BE NOT INTEREST BEARING.  THE SAVINGS SUB ACCOUNT WILL BE GOVERNED BY THE SAME RULES GOVERNING OUR OTHER SAVINGS ACCOUNTS.  THIS PROCESS WILL NOT AFFECT YOUR AVAILABLE BALANCE, THE INTEREST YOU MAY EARN, FDIC INSURANCE PROTECTION, OR YOUR MONTHLY STATEMENT.