Baltic State Bank: Services & Charges

Services

Drive-Thru Teller	ATM	24 Hour Depository
Bank By Mail	Checking Accounts	N.O.W. Accounts
Passbook Savings	Christmas Savings	Certificates of Deposits
IRAs	Travelers Checks	Personal Money Orders
Safe Deposit Boxes	Health Savings Accounts	Loans

Service Charge Schedule
(Effective December 1, 2005)

SMART CHECKING - Non-Interest Bearing Statement Only No Images
Monthly Maintenance Fee	$0.00
Per Debit Item (First 50 Items)	$0.00
Per Debit Item (Over 50 Items)	$0.12
Image Copy (per copy)	$1.00
Image CD (per request)	$15.00

SMART CHECKING - Interest Bearing Statement Only No Images
Minimum Balance Required	$1,000.00
Less Than Minimum Fee	$10.00
Per Debit Item (First 50 Items)	$0.00
Per Debit Item (Over 50 Items)	$0.12
Image Copy (per copy)	$1.00
Image CD (per request)	$15.00

IMAGE CHECKING - Non-Interest Bearing Statement With Images
Montly Maintenance Fee (max)	$7.50
Per Debit Item	$0.12
Image Copy (per copy)	$1.00
Image CD (per request)	$15.00

IMAGE CHECKING - Interest Bearing Statement With Images
Montly Maintenance Fee (max)	$10.00
Per Debit Item (first 50 items)	$0.00
Per Debit Item (over 50 items)	$0.12
Image Copy (per copy)	$1.00
Image CD (per request)	$15.00

PASSBOOK SAVINGS
Minors Minimum Balance	$5.00
Less Than Minimum Per Quarter	$1.00
Debits Per Calendar Quarter	First 6 Free
Excess Debits (Over 6) Each	$0.50
Dormant Account Fee	$1.00

STATEMENT SAVINGS
Minimum Balance Required	$100.00
Less Than Minimum Per Month	$1.00
Debits Per Month	First 6 Free
Excess Debits (Over 6) Each	$0.50
Dormant Account Fee	$1.00

MISCELLANEOUS CHARGES
Return Check Charge (Per Item)	$22.00
Overdraft Charge (Per Item)	$22.00
Stop Payments	$15.00
Statement Reconcilement Per Hour (1 hour minumum)	$25.00
Instant Statement	$2.00
Copy of Prior Statement	$2.00
Copy of Image	$1.00
Counter Checks Per Item	$0.50
Money Orders	$0.75
Cashier's Checks BSB Customer	$2.50
Cashier's Checks Non-BSB Customer	$20.00
Copies Per Page	$0.30
Collection Items	$15.00
Wire Transfers	$15.00
Overdraft Protection Annually	$25.00
Overdraft Protection Per Item	$1.00
OD Transfer: Savings to Checking	$1.00
Special Handling & Processing will be determined on a case by case basis.