Service Fee Schedule

Other Account Fees

The following fees apply to all of your accounts with us:

Legal Charges (Garnishments/Levies, Orders, Citations):
$150.00
Domestic Wire Transfer:
$20.00
Foreign Wire Transfers:
$40.00
Telephone Transfers (non-automated):
$ 5.00


The following fees apply to all of your accounts with us except Certificates of Deposit and Time Deposit Accounts:

Copy of statement:
$7.00
Deposited checks or other items returned unpaid:
$4.50 per item
Account reconciliation/research:
$40.00 per hour
Account activity printout/inquiry:
$5.00
Early Account Closing (within 90 days):
$25.00


The following fees apply to Checking, NOW Accounts, and Money Market Accounts:

Counter Checks:
$1.00
Overdraft:
$30.00 per item; $5.00 per day Continuous Daily Overdraft Fee (fee assessed beginning on the sixth day account is overdrawn; we reserve the right to process checks in any order)
Stop Payments:
$30.00 per item
Copy of draft or check:
2 free per month, then $1.00 each


The following fees apply to Checking, NOW Accounts, Savings Accounts, and Money Market Accounts:

Check or Draft Collection
$25.00 (plus any direct costs)


The following fees apply to Essential, Masterpiece, Contemporary Checking, Statement Savings, and Personal Money Market Accounts:

ATM Card Replacement
$10.00
Non-Community Bank of Oak Park River Forest ATM transactions
$1.50 each in excess of 4 transactions per statement cycle
ATMs - Cirrus Network
$1.50


The following fees apply to Commercial Money Market, Commercial Checking, Interest Bearing Commercial Checking, and Small Business Checking Accounts:

Currency/coin shipment:
$10.00
Coin Counting:
No Charge (drop off coin; subject to count)


Miscellaneous Fees and Charges

Money Orders (customer only):
$3.00
Cashier's Checks (customer only):
$5.00
Coin Counting (customer only):
No Charge (drop off coin; subject to count)
Traveler's Checks:
$2.00 per $100.00
Copies:
$0.25


Electronic Funds Transfer Service Limits & Fees

ONLINE BANKING
If you have this online banking service, the following limitations and fees will apply to your account:
· For security purposes, there are limits on the frequency and amount of transfers you may make using this Online Banking service.
· There is no charge for banking online with us.

ATM CARD
If you have ATM service, the following limitations and fees will apply to your account:
· You may withdraw a up to a maximum of $500.00 (if there are sufficient funds in your account) per day.
· For security purposes, there are limits on the frequency and amount of transfers you may make at ATMs.
· There is no charge for ATM withdrawals at machines owned by us.
· There is a $1.50 charge for each ATM deposit at machines we do not own.
· We participate in the STARsf (surcharge free) network. Look for the STARsf logo or check www.star-systems.com to locate STARsf ATMs coast-to-coast.
· After four (4) withdrawals per statement period at non-Community Bank ATMs, a $1.50 fee per transaction will apply.
· We will assess $1.50 fee per transaction at Cirrus Network ATMs/
· There is a replacement card fee of $10.00 per card.

GOVERNMENT DIRECT DEPOSIT
If you have this EFT service, the following limitations and fees will apply to your account:
· We do not charge for any pre-authorized EFTs.
· We will charge $30.00 for each stop-payment order for pre-authorized transfers.

OTHER DIRECT DEPOSIT
If you have this EFT service, the following limitations and fees will apply to your account:
· We do not charge for any pre-authorized EFTs.
· We will charge $30.00 for each stop-payment order for pre-authorized transfers.

ELECTRONIC PAYMENTS
If you have this EFT service, the following limitations and fees will apply to your account:
· We do not charge for any pre-authorized EFTs.
· We will charge $30.00 for each stop-payment order for pre-authorized transfers.

MasterMoney DEBIT CARD
If you have this combined ATM/Point of Sale/Debit Card service, the following limitations and fees will apply to your account:
· You may withdraw up to a maximum of $500.00 (if there are sufficient funds in your account) per day.
· For security purposes, there are limits on the frequency and amount of transfers you may make using ATMs and this Point of Sale service.
· There is no charge for ATM withdrawals at machines owned by us.
· There is no charge for ATM deposits at machines owned by us.
· There is a $1.50 charge for each ATM deposit at machines we do not own.
· We participate in the STARsf (surcharge free) network. Look for the STARsf logo or check www.star-systems.com to locate STARsf ATMs coast-to-coast.
· After four (4) withdrawals per statement period at non-Community Bank ATMs, a $1.50 fee per transaction will apply.
· There is a $1.50 charge for each ATM withdrawal at Cirrus Network machines.
· There is a replacement card fee of $10.00 per card.
· You may purchase up to a maximum of $2000.00 worth of goods and services per day, exclusive of ATM withdrawals.
· 10 Point of Sale/Debit Card transactions per 24-hour period.
· We do not charge for any POS transaction.

BANK BY PHONE
If you have Telephone Banking, the following limitations and fees will apply to your account:
· There are no limits on the number or dollar amount of inquiries, transfers or withdrawals you may make per day.
· We do not charge for any Audio Response Transactions.

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