MANUFACTURERS AND TRADERS TRUST COMPANY
ADDITIONAL FEES AND FEES FOR USE
OF ELECTRONIC BANKING CARD FOR
CONSUMER CHECKING ACCOUNTS
ADDITIONAL FEES:
1.
An insufficient funds fee will be charged for each withdrawal, transfer or other transaction made or attempted to be made by any means
including by check, in-person withdrawal, ATM withdrawal or other electronic means (each a “Debit Item”), if the amount of the Debit Item
exceeds the balance available for withdrawal when the Debit item is charged or attempted to be charged against the account unless the
excess is lent under a line of credit account or made available from another deposit account you have with us that is linked to your account as
part of an overdraft arrangement. The amount of the fee will be determined by the number of days in your current monthly service charge
cycle and in the immediately preceding 11 monthly service charge cycles on which an overdraft occurred (each such day an “Overdraft Day”
and collectively, “Overdraft Days”). $18 will be charged per Debit item for the first Overdraft Day; $32
will be charged per Debit item for
the second, third and fourth Overdraft Days; and $37 will be charged per Debit item for each subsequent Overdraft Day. No more than 6
insufficient funds fees will be charged to the account in connection with such transactions occurring on a given business day.
In addition, if the account becomes overdrawn (i.e., the balance becomes negative) by means of a Debit Item we have paid, you will be charged an
additional $10 extended overdraft fee for every 5 consecutive business days the account remains overdrawn until the earlier of:
(i)
(ii)
The business day that you pay to us all amounts owed, including the amount of the initial overdraft and any Debit Items and fees
that further overdraw the account; or
The expiration of 40 business days after the business day on which the account originally became overdrawn.
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2.
Check order fee, which varies, depending upon the style and number of checks ordered.
3.
$30
stop payment fee for each order to stop payment of a check or preauthorized payment to be made by an electronic fund transfer from
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the account, and for each renewal of such an order.
4.
$10
returned deposited item fee for each check or other item deposited in the account and returned unpaid.
5.
$5
statement photocopy fee for each extra copy of a statement for the account.
6.
$5
check photocopy fee for each copy of a check written on the account that we pay.
7.
$2
duplicate statement fee per statement cycle for each duplicate statement sent by us at your request (over and above the original
statement).
8.
$1
9.
$20
per hour account reconciliation/research fee.
10.
$4
processing fee to close the account by mail.
11.
$15
account transfer fee to process a request made by another financial institution at your request to transfer the proceeds of an account
with us opened in your name to the other financial institution (fee is deducted from the proceeds of the account).
12.
$5
account collection fee to process a request to another financial institution, made by us at your request, to collect the proceeds of an
account with that institution opened in your name.
13.
$5
item collection fee for each check or other item that is written on a United States financial institution or a Canadian financial institution
and is sent for collection.
14.
$15
foreign item collection fee for each check or other item that is written on a foreign financial institution (other than a Canadian financial
institution) or $20 foreign item collection fee if you request that the proceeds of the check or other item be paid to you by M&T Bank official
check.
15.
$10
early close-out fee if you close your account within 180 days of the date your account was opened.
16.
$10
returned item fee for each check or other item we cash for you that is returned unpaid.
17.
$1
fee for each call, in excess of 15 during a monthly statement cycle, to the M&T Telephone Banking Center automated voice response
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unit to perform Checking account transactions or inquires.
18.
$2
fee for each call, in excess of 3 during a monthly statement cycle, to a customer service representative at the M&T Telephone
Banking Center to perform a Checking account transaction or inquiry which could have been performed using the M&T Telephone Banking
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Center automated voice response unit.
19.
$5
for each day that there is a transfer to another account to cover one or more overdrafts in that account.
20.
$20
for each outgoing domestic wire transfer.
21.
$30
for each outgoing international wire transfer.
22.
$12
for each incoming wire transfer.
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counter check fee per each counter check you purchase.
BR-950B (7/08)
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FEES FOR USE OF ELECTRONIC BANKING CARD:
The following fees are imposed by M&T Bank:
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1.
None for any electronic fund transfer or other transaction (a) made at an M&T Bank electronic facility or at any electronic facility owned or
®
®
operated by any of our affiliates; or (b) made at any shared electronic facility (such as a PLUS or STAR facility) if the account to which the
transaction relates is a Power Checking, M&T Select or M&T Select With Interest account or a Portfolio Management Account.
2.
None for any transfer to pay the purchase price of goods a or services if the transfer involves a VISA debit card without the use of a PIN
and is processed through the Visa network, except as described in (4) below.
3.
®
Unless the transaction is described in (1) or (2) above:
a. $2.00 for each cash advance made using a Visa debit card and a PIN ($5.00 if the transaction is conducted at a shared electronic
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facility located outside the United States).
b. $3.50
for each cash advance made using a Visa debit card without the use of a PIN (including such cash advances made at M&T Bank).
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c. $2.00 for each inquiry as to the balance of the account made at a shared electronic facility ($5.00 if the balance inquiry is made at a
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shared electronic facility located outside the United States.)
d. $.50 for each transfer to pay (i) for a purchase of goods or services involving the use of a PIN or (ii) bills for services provided by
companies authorized to process bill payment transactions through STAR or other non-Visa networks in which M&T Bank participates ($.75
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if the account to which the transaction relates is an M&T Totally Free Checking account and cash back is requested).
e. $.50 for each cash withdrawal, transfer or other transaction attempted to be made from the account at an ATM if the transaction is
declined because the amount of the attempted transaction exceeds the balance available for withdrawal from the account (or any account
linked to the account for purposes of overdraft protection) at such time.
f. $2.00 for each other type of electronic fund transfer or other transaction made at a shared electronic facility ($5.00 if the transaction is
conducted at a shared electronic facility located outside the United States). If funds are transferred to the account from another account, the
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fee will be charged to the other account.
4.
The greater of $.50 or 3% of the U.S. dollar amount of any transaction is made in a foreign county, if such transaction is made with a Visa
debit card and is processed through the Visa network.
5.
$1.00
6.
Up to $10
for each ATM mini-statement printed at one of our ATM facilities.
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for reassurance or replacement of an M&T ATM Card or Visa debit card.
LEGAL DOCUMENT PROCESSING FEES
1.
$110
Internal Revenue Service Levy.
2.
$110
New York Restraining Notice, Execution Notice or Order of Attachment.
3.
$150
Pennslyvania Writ of Execution Notice or Order of Attachment.
4.
$150
Maryland Writ of Execution or Attachment.
5.
$110
Delaware, District of Columbia, Virginia or West Virginia Writ of Execution or Attachment.
6.
$110
All other legal papers regardless of the jurisdiction (e.g., Court Orders).
7.
$25
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Conditional release of restraint or levy on consent.
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Fee is not assessed if the account to which the transaction relates is a Power Checking, M&T Select or M&T Select With Interest account or a Portfolio Management
Account (PMA). Such customers receive free standard checks.
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Fee is not assessed if the account to which the transaction relates is a @College Checking
SM
account.
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Such as a deposit, a withdrawal, a transfer to or from another account, a deposit combined with a withdrawal of part of the deposit (cash back) or transfer to pay the
purchase price of goods or services.
4
Such as a balance inquiry or the cashing of a check.
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If the account to which the transaction relates is an M&T@Work Checking account, each monthly service charge cycle, M&T will waive up to a total of 5 of the fees
charged for any combination of transactions described in 3(a), (c) and (f). No more than 5 fees will be waived regardless of the number or type of transactions in these
categories. Fees that may be charged by another institution for your use of an ATM owned or operated by that institution are not reimbursable.
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If the account to which the transaction relates is a @College Checking account, each monthly service charge cycle, M&T will waive up to a total of 4 of the fees charged
for any combination of transactions described in 3(a), (c) and (f). No more than 4 fees will be waived regardless of the number or type of transactions in these
categories.
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Fee is not assessed if the account to which the transaction relates is an M&T@Work Checking account.
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Fee is based on jurisdiction from which the legal document is issued.
MEMBER FDIC
BR-950B (7/08)