Personal Checking and Savings Account Fee Schedule
Effective May 2, 2016
The following fees apply to all accounts unless otherwise indicated.
ATM/Debit Cards
ATM Card/Debit Card Replacement
ATM Card Monthly Fee
Debit Card Design Change
Debit Card rush processing or special handling
FirstMerit ATM Transactions
FirstMerit ATM Mini-statement
Foreign Transaction Fee
Merchant Sales Draft - copy
Non-FirstMerit ATM fees
$3.00 per card
$1.00 per card
Initial change is free, $5.00 ea. thereafter
$25.00
Free
$3.00
3% 1
$5.00
$3.00 per transaction 2,3
Re-issue Debit Card expedited or special handling
$25.00
Overdraft/Insufficient Available Funds
Continuous Overdraft Fee
Overdraft Fee
Returned Item Fee
Savings Overdraft Transfer Fee
$35.00 4
$35.00
$35.00
$10.00 per transfer
Official Checks
Cashier's Check (Limited to bank customers only)
Certified Check (where available)
$10.00
$10.00
Other Account Fees
Account Closed Within 90 Days of Opening
Account Closed Within 1 Year of Opening
Charge Off Fee
Check Image Enclosure Fee
Check Order Fee
Foreign Check Deposited
Foreign Check Collection
Inactive Checking Account Fee
Interim Statement
Paper Statement Fee
Re-deposited Item
Returned Check Deposited
Return Mail - no charge first occurrence
Savings Club Account Withdrawal Fee
Savings Club Closure Fee
Stop Payment (includes lost/stolen items and electronic funds transfers)
Telephone Transfer
$25.00 5
$25.00 6
$35.00
$3.00 per month
Varies by product & check design 7
$5.00 per item
$50.00
$25.00 8
$5.00
$3.00 6
$5.00
$10.00
$10.00 per additional occurrence
$5.00
$10.00 9
$33.00
$2.00
Miscellaneous Fees
Garnishment/Levy
Illinois Citation
Bond Coupon Processing Fee
Checkbook Balancing
Check Photocopy
Domestic Collection of Check
Fax Fee
IRA Trustee to Trustee Transfer
Research Time
Remittance of child support check
Safe Deposit Box -Storage fee for drilled safe deposit box contents
$100.00
$150.00
$3.00 per envelope
$15.00 per hour
$5.00 each
$15.00 each
$2.00 per transmission
$30.00
$20.00 per hour
$5.00
$20.00 per month
continued…
PERFEE 06/24/2016
Member FDIC
Personal Checking and Savings Account Fee Schedule
Effective May 2, 2016
Wire Transfers
$30.00 10
$35.00 10
Varies 11
Domestic incoming
Domestic outgoing
Foreign Wires - incoming & outgoing
Personal Checking and Savings Account Pricing
Account Type
Monthly
Maintenance Fee
To Waive Maintenance Fee
Reality Checking
FREE
N/A
Reality Gold Checking
$10.00
$1,500 Minimum Daily Balance or $10,000 in Loan /
12
Deposit Combination Balances
Reality Platinum Checking
$15.00
Reality Savings
$10.00
Reality Gold Savings
$15.00
Active FirstMerit Reality Gold Checking, Reality Platinum Checking,
WorkPlace Platinum Checking or Elite Checking account
Statement Savings
$4.00
$200 Minimum Daily Balance or have a monthly automatic funds
transfer (AFT) from any FirstMerit Checking account to this account
or if account is held by a minor under 18 years of age
Savings Club
$2.00
$50 Minimum Daily Balance or have a monthly automatic transfer
to this account
Reality Platinum Money
Market
$10.00
$5,000 Minimum Daily Balance
High Yield Money Market
$10.00
$5,000 Minimum Daily Balance
$5,000 Minimum Daily Balance or $25,000 in Loan/Deposit
12
Combination Balances or have a FirstMerit mortgage loan or a
mortgage loan through our partnership with Quicken
Active FirstMerit checking account with a minimum of 5
transactions per calendar month
1. All transactions made out of the U.S using a FirstMerit ATM/Debit Card or Health Savings Account Debit Card will be assessed fee, whether or not
currency conversion is involved.
2. Waived for Reality Platinum Checking, WorkPlace Platinum Checking and Elite Checking accounts; first 5 free on Reality Gold Checking.
3. Other institutions may charge you a fee for using their ATMs.
4. When the account remains overdrawn for 5 consecutive business days, the fee is assessed on the 6th business day.
5. Applies to Reality Gold Checking, Reality Platinum Checking, WorkPlace Platinum Checking, Health Savings Checking, Statement Savings, Reality
Savings, Reality Gold Savings, Savings Club, Health Savings, Reality Platinum Money Market & High Yield Money Market.
6. Applies to Reality Checking.
7. Reality Gold Checking, Reality Platinum Checking & WorkPlace Platinum Checking receive first box free and one free box annually thereafter of Guardian
Safety or Sheffield wallet style checks.
8. A checking account is inactive when there has been no customer generated activity for 90 days. The fee is charged monthly when the account becomes
inactive & the account balance falls below $500 any day of the statement period. This fee is charged in addition to the account’s monthly maintenance fee, if
applicable.
9. Charged if account is closed between 91 days after opening and annual payout date.
10. Reality Gold Checking, Reality Platinum Checking & WorkPlace Platinum Checking will receive a $15.00 rebate on the disclosed amount of wire fees.
11. Inquire with FMER International Dept.
12. Credit Card, Mortgage, Student and Business Loans are not included in loan combination balance.
PERFEE 06/24/2016
Member FDIC