Business Banking Service Fee Schedule

as of March 1, 2016

 

Account Services

   Account Maintenance.............................................................................................. $15.00/month

      Fee waived if Monthly Average Collected Balance is greater than $20,000

   Electronic Truncated Statement................................................................................... No Charge

   Printed Truncated Statement..................................................................................... $8.00/month

   Printed Front Image Statement................................................................................ $10.00/month

   Printed Full Image Statement (Front and Back Images)......................................... $15.00/month

   Printed Account Analysis Statement.......................................................................... $8.00/month

   Statement Copy (Truncated)........................................................................................ $8.00/each

   Telephone Transfer...................................................................................................... $8.00/each

   Easy Access Telephone Transfer.............................. No Charge First 3/month, then $3.00/each

   Zero Balance Account................................................................................ $45.00/account/month

   Early Closing (Within 90 Days of Opening)........................................................... $35.00/account

   Dormant Account (24 Consecutive Months No Activity)......................................... $10.00/month

   Sweep (Line of Credit, Savings, or Repurchase).................................................... $75.00/month

Balance Services

   Uncollected Funds (Minimum 8%).......................................................................... Prime + 4½%

Deposit and Disbursement Services

   Electronic Transactions (ACH items received/originated, remote deposit items and bill payment)

      0 to 200...................................................................................................................... $0.05/each

      201+........................................................................................................................... $0.15/each

   Paper and Other Transactions (checks paid, branch deposits, and branch deposited items)

      0 to 150...................................................................................................................... $0.05/each

      151+........................................................................................................................... $0.25/each

   Mobile Express Deposit................................................................................................ $0.50/each

   Remote Deposit Base........................................................................... $50.00/workstation/month

      Remote Deposit Setup................................................................................ $100.00/workstation

      Electronic Deposit File Correction........................................................................... $15.00/each

   Deposit Corrections ...................................................................................................... $8.00/item

      Deposit Corrections – Special Handling.................................................................... $5.00/each

   Return Deposited Items

      Returned Deposited Items – Charged Back............................................................. $8.00/each

      Returned Deposited Items – Redeposited................................................................. $6.00/each

      Returned Deposited Items – Telephone/Fax Advice................................................ $16.00/day

      Returned Items Advice - List Maker........................................................................... $2.00/item

      Returned Items Advice - List Reason......................................................................... $2.00/item

      Returned Items – Additional Advice....................................................................... $4.00/advice

Deposit and Disbursement Services (Continued)

      Returned Check Web Viewer................................................................... $5.00/account/month

   Night Depository Service..................................................................... $5.00/month/bank location

      Night Depository Key Deposit................................................................................... $6.00/each

   Locked Bag (8½" x 11")............................................................................................. $32.00/each

   Zippered Bags (Unlocked)............................................................................................ $8.00/each

   Received ACH Returned Per Customer...................................................................... $5.00/each

   Check Returned Per Customer.................................................................................... $5.00/each

      Manual Check Return Request................................................................................. $8.00/each

   Insufficient Funds ("NSF") Items Paid/Overdraft Items Returned............................. $35.00/each

   Daily Overdraft............................................................................................................. $25.00/day

   Stop Payment (Voice or Easy Access)...................................................................... $30.00/each

Business Internet Banking ("BIB")

   Company Setup.......................................................................................................... $15.00/each

   Checking Account Balance Reporting ........................................................ $3.00/account/month

            Fee Waived if Monthly Average Collected Balance is greater than $20,000

      Savings Account Reporting....................................................................... $3.00/account/month           

      BIB Stop Payment................................................................................................... $25.00/each

      BIB Express Transfers.............................................................................................. $1.00/each

      Check or Deposit Images........................................................................... $0.15/image viewed

      Image Search Module............................................................................................. $5.00/month

      Extended History – 12 Months.............................................................................. $20.00/month

      Extended History – 18 Months.............................................................................. $30.00/month

      Intra-Day Check Reporting..................................................................... $30.00/account/month

   Loan Account Reporting....................................................................... $5.00/loan account/month

   BIB Alerts (Emails or Text Messages)..................... No Charge First 10/month, then $0.10/each

   BIB Secure Token (required for ACH, Wire Transfer & Bill Payment)...................... $45.00/each

   BIB Inactivity (60 Days Inactive).............................................................................. $10.00/month

   Bill Payment Stop Request......................................................................................... $35.00/each

   Bill Payment Check Copy (Through Customer Service)........................................... $10.00/each

   Bill Payment Check Return........................................................................................ $35.00/each

   BIB User Administration by Bank............................................................................... $25.00/each

DirectConnect (QuickBooks® Automated Interface)

   DirectConnect With Bill Payment............................................................................. $15.00/month

   DirectConnect Without Bill Payment........................................................................ $10.00/month

ACH Positive Pay

   ACH Positive Pay Base............................................................................. $30.00/month/account

   ACH Positive Pay Paid Item......................................................................................... $3.00/item

   ACH Positive Pay Return Item...................................................................................... $4.00/item

ACH Services

   NACHA-Formatted ACH File for Origination

      ACH Origination Base.................................................................... $20.00/Originating ID/month

      ACH BIB File Upload Batches.................................................................................. $6.00/batch

      ACH FTP Transmission............................................................................................. $6.00/each

      ACH Transmission Charge (Mainframe)................................................................ $20.00/each

   Business Internet Banking Module – ACH BIB Origination ID......... $20.00/Origination ID/month

      ACH BIB Originated Addenda Records.................................................................... $0.04/each

      ACH BIB STP 820 or CTX Originated Items Surcharge.......................................... $0.25/each

   ACH Origination Setup............................................................................................... $50.00/each

   Originated ACH Items Returned................................................................................... $3.00/item

   Originated ACH Items Notification of Change (NOC) Received.................................. $3.00/item

   Originated ACH Items Rejected.................................................................................... $3.00/item

   ACH Return Reports Emailed...................................................................................... No Charge

   ACH Return Reports Mailed....................................................................................... $16.00/each

   ACH Return Reports Faxed....................................................................................... $16.00/each

   ACH Returned Items NACHA File............................................................................. $10.00/each

   ACH Return Items Business Internet Banking Report............................................. $15.00/month

      Additional ACH Originating ID................................................................................... $5.00/each

   ACH File Corrections.................................................................................................. $15.00/each

   ACH Letter of Indemnity............................................................................................. $25.00/each

   ACH Late or Exception File.................................................................................. $100.00/request

   ACH Manual Input Surcharge....................................................................................... $0.50/item

   ACH File via Wire Transfer (in addition to Wire Transfer Fees)......................... $100.00/ACH file

   ACH Corporate Payment Business Internet Banking Report (Non-Translated)..... $15.00/month

      Additional Account................................................................................................ $5.00/account

ACH EDI Service

   ACH Fed Payments Reporter Base......................................................................... $50.00/month

   ACH Corporate Payment Business Internet Banking Report (Non-Translated)..... $30.00/month

      Additional Account................................................................................................ $5.00/account

Wire Transfer

   Wire Transfer In.......................................................................................................... $14.00/each

   Repetitive Wire Transfer Out...................................................................................... $16.00/each

   Non-Repetitive Wire Transfer Out.............................................................................. $19.00/each

   Business Internet Banking Wire Transfer Module.................................................... $15.00/month

      BIB Wire Out (Domestic)......................................................................................... $10.00/each

   Email Advice................................................................................................................. No Charge

   Telephone/Fax Advice................................................................................................ $16.00/each

   Letter Advice............................................................................................................... $16.00/each

   Wire In Account Verification....................................................................................... $10.00/each

   Domestic Wire Correction........................................................................................ Pass Through

Debit Card Services

   Business Debit Card..................................................................................................... No Charge

   Debit Card Non-Usage......................................................................................... $1.00 per month

   Visa® International Currency Conversion............................................ 1% of transaction amount

   Visa® US Dollar International Transaction Settlement...................... 0.8% of transaction amount

   Debit Card Replacement............................................................................................. $15.00/card

   Debit Card Expediting Order...................................................................................... $50.00/each

   Personal Identification Number (PIN) Expediting...................................................... $50.00/each

   Bankers Trust ATM Cash Withdrawals........................................................................ No Charge

      Foreign ATM Cash Withdrawals................................................................................ $2.00/each

   Bankers Trust ATM Deposits..................................... No Charge First 3/month, then $1.00/each

      Foreign Trust ATM Deposits (Non-Bankers Trust)................................................... $3.00/each

   MyPayCard Employer Setup..................................................................................... $50.00/each

Cash Services

   Cash Deposited............................................................................................ $0.0008/$1 deposited

   Bagged Coin Deposited.................................................................................................. $6.00/bag

   Cash Vault Supplies..................................................................................................... Actual Cost

   Coin & Currency Orders

      Branch Cash Order................................................................................................... $6.50/order

      Automated Cash Vault Order.................................................................................... $4.00/order

      Manual Cash Vault Order......................................................................................... $7.00/order

      Coin Ordered Single Rolls............................................................................................ $0.13/roll

      Coin Ordered Box of Rolled Coin................................................................................ $5.00/box

      Coin Ordered Bagged.................................................................................................. $3.00/bag

      Currency Ordered Full Strap..................................................................................... $0.27/strap

      Currency Ordered Partial Strap................................................................................ $0.35/strap

International Cash Letter

   Canadian Deposited Items (USD or Canadian Dollar)................................................. $8.00/each

   International Currency Deposited Items..................................................................... $25.00/each

   International U.S. Dollar Deposited Items.................................................................. $25.00/each

   International Deposited Item Letter Advice................................................................ $10.00/each

   International Deposited Item Returned....................................................................... $35.00/each

   International Deposited Item Unprocessed................................................................ $10.00/each

International Payments

   International Wire Transfer In..................................................................................... $35.00/each

   International Wire Transfer Out................................................................................. $50.00/each*

   BIB International Wire Transfer Out.......................................................................... $30.00/each*

      *May be an additional charge for wires to certain countries and/or certain currencies

   Email Advice................................................................................................................. No Charge

   Telephone/Fax Advice................................................................................................ $16.00/each

   Letter Advice............................................................................................................... $16.00/each

   International Wire IBAN Repair.................................................................................. $10.00/each

   International Wire Correction................................................................................... Pass Through

   International Drafts..................................................................................................... $50.00/each

   International Stop Payment/Cancellation................................................................... $35.00/each

   International Currency Exchange (Purchased or Sold)............................. $10.00/currency/order

      International Currency Small Order Exchange (under $300 USD)........................ $10.00/order

International Collection Services

   Clean Collection Item (value $100 USD or less)........................................................ $20.00/each

   Clean Collection Item (value greater than $100 USD)............................................... $35.00/each

   Direct Documentary Collection Against Payment..................................................... $90.00/each

   Direct Documentary Collection Against Acceptance............................................... $100.00/each

   Documentary Collection Against Payment.............................................................. $130.00/each

   Documentary Collection Against Acceptance......................................................... $155.00/each

   Collection Item 30 Days Unpaid or Unaccepted...................................................... $50.00/month

   Collection Tracer........................................................................................................ $20.00/each

   Collection Amendment or Extension.......................................................................... $50.00/each

   Collection Courier Domestic........................................................................................ $20.00each

   Collection Courier International.................................................................................. $50.00/each

   Collection Wire Transfer Payment............................................................................. $19.00/each

Check Positive Pay Services

   Positive Pay Base.................................................................................................... $25.00/month

      Positive Pay Items..................................................................................................... $0.06/each

      Payee Name Validation............................................................................................. $0.03/each

      Check Issue File Business Internet Banking Upload................................................. $6.00 each

      Positive Pay Manual Item Input................................................................................. $0.05/each

      Positive Pay Exception Item..................................................................................... $5.00/each

   Reverse Positive Pay................................................................................. $10.00/account/month

Miscellaneous Services

   Email Notification.......................................................................................................... $5.00/each

   Telephone/Fax Notification......................................................................................... $16.00/each

   Cashier's Checks ....................................................................................................... $10.00/each

   Research................................................................................................................. $15.00/½ hour

   Investigation and Recovery.................................................................................... $15.00/½ hour

      Investigation and Recovery Out of Pocket Expenses (e.g. postage)............................. At Cost

   Photocopies.................................................................................................................. $8.00/page

   Auditor's Confirmations.............................................................................................. $25.00/each

   Credit Inquiries............................................................................................................ $25.00/each

   Reference Letters....................................................................................................... $25.00/each

   Signature Guarantee.................................................................................................. $30.00/each

   Legal Order or Process............................................................................................ $100.00/each

Commercial Savings and Money Market Accounts**

   All fees described above except the following:

   Account Maintenance

      Commercial Money Market or Public Funds Money Market**....................... $10.00/month

            Fee waived if average monthly ledger balance is greater than $2,500.00

      Business Regular Savings................................................................................. $10.00/month

            Fee waived if daily ledger balance is greater than $500.00

   Deposits and Credits (Including ACH Credits)............................................................. No Charge

   Deposited Items – 0 to 25 Items Per Month................................................................. No Charge

      26 Items or More Per Month...................................................................................... $0.25/item

   Debits (Including ACH Debits) / Withdrawals / Checks Paid**

      0 to 6 (Maximum Permitted Per Federal Law).......................................................... No Charge

      7+  Debits................................................................................................................... $8.00/each

      **Commercial and Public Funds Money Market Accounts provides check writing privileges

 

All service charges and fees may be subject to sales tax.

 

Business Credit Card

   Annual Membership Fees:

      Business Credit Card................................................................................................ $25.00/card

      Points2U Business Credit Card................................................................................ $50.00/card

   Visa® International Currency Conversion............................................ 1% of transaction amount

   Visa® US Dollar International Transaction Settlement...................... 0.8% of transaction amount

   Cash Advance................................................................................. greater of 2% or $10.00/each

   Late Payment............................................................................................................. $15.00/each

   Minimum Monthly Payment................................................. greater of 25% of balance or $50.00

   Replacement Card..................................................................................................... $20.00/each

      Expedited Replacement Card................................................................................. $50.00/each

   Returned Check......................................................................................................... $30.00/each

 

   Annual Percentage Rates:

      Annual Percentage Rate – Purchases............................................................................ 14.90%

      Annual Percentage Rate – Cash Advances................................................................... 17.90%

      Minimum Finance Charge............................................................................... $0.50/each cycle

   Grace Period for Repayment of Purchases...................................................................... 25 days

   (Interest begins to accrue from the purchase posting date if the balance is not paid in full within the grace period)

Gift Cards

   Visa® Instant Issue Gift Card (1 to 25 Cards)............................................................... $3.50/card

   Bulk Order (26 or more Gift Cards; requires minimum 10 business days lead time)

      26 to 100 Cards.......................................................................................................... $2.50/card

      101 to 500 Cards........................................................................................................ $2.25/card

      501 or More Cards..................................................................................................... $1.75/card

      Bulk Order Packaging Preparation by Bankers Trust............................................... $0.35/card

      Customer Embossing (Up to 20 Characters)......................................................... $25.00/order

   Cardholder Fees

      Inactivity (Inactive 12 Months or More).................................................................. $5.00/month

      Replacement Gift Card............................................................................................. $7.50/each

Remote Deposit Scanners

Bankers Trust has partnered with Benchmark Technology Group as a preferred provider of quality scanners for your remote deposit services. Benchmark has a wide range of Panini and Digital Check scanners that are certified for the Bankers Trust Remote Deposit Service.

   Panini I:Deal Single Document Feeder...................................................................... $339.00

   Panini Vision X/50 DPM, 50 Document Feeder........................................................ $830.00

   Panini Vision X/50 DPM, 100 Document Feeder...................................................... $850.00

   Panini Vision X/75 DPM, 100 Document Feeder...................................................... $980.00

   Digital Check CX 30, Single Document Feeder........................................................ $420.00

   Digital Check TS 240-75 DPM, 75 Document Feeder.............................................. $850.00

   Digital Check TS 240-100 DPM, 100 Document Feeder....................................... $1,150.00

 

"DPM" – Documents Per Minute

Benchmark scanner prices are as of February 2016 and are subject to change without notice. Prices do not include shipping or sales tax. Each Panini Vision Series and Digital Check scanner price includes installation support, scanner testing prior to shipping, starter kit, and one-year Advance Unit Replacement (AUR) Warranty (overnight shipping), ongoing technical support, and processing fee. The Panini I:Deal scanner comes with a standard depot warranty (customer ships scanner to Benchmark for repairs). Please consult with your Benchmark Sales Representative for other warranty options.

Business Banking Fee Schedule