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

MINIMUM BALANCE REQUIREMENTS

• THE MINIMUM INITIAL DEPOSIT REQUIRED TO OPEN THIS ACCOUNT IS $100
• NO MINIMUM BALANCE REQUIREMENT FOR THIS ACCOUNT

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
• $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
• CHECKS WILL BE PROVIDED FOR THIS ACCOUNT.  IF YOU ORDER CHECKS OTHER THAN THOSE PROVIDED, THE CHECK PRINTING COSTS WILL VARY DEPENDING ON STYLE OF CHECKYOUR CHECKS WILL NOT BE RETURNED WITH YOUR STATEMENT           
• NO MAINTENANCE OR ACTIVITY FEES ARE IMPOSED ON THIS ACCOUNT
• UPON REQUEST, WE WILL PROVIDE YOU WITH COPIES OF THREE CHECKS PER STATEMENT WITHOUT CHARGE IF REQUESTED WITHIN SIXTY DAYS OF THE STATEMENT
• 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.

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