Fee Schedule

Effective November 30, 2016
Minimum Balance Fees

Passbook Savings: $250 minimum balance	$3.00 per month
Statement Savings: $250 minimum balance	$3.00 per month
Interest Checking: $500 minimum balance	No Longer Offered
Image Checking: $1000 minimum balance	No Longer Offered
Premium Checking: $1500 minimum balance	$15.00 per month
Direct Plus Checking: No Minimum Balance	No Monthly Fee (Must have Direct Deposit or automatic Loan payment) $9.00 per month (if Direct Deposit or automatic Loan payment is not used)
50 Plus Checking: No Minimum Balance	No Monthly Fee (Must be age 50 or better)
Ulster Savings Hero: No Minimum Balance	No Monthly fee (Available to active or retired military, police, or firefighters)
Student Checking: No Minimum Balance	No Monthly Fee
Money Market Checking & Savings: $2,500 Minimum balance	$10.00/month

Certificates of Deposit
Interest penalties will be charged on withdrawal of funds from certificates of deposit prior to the maturity date as specified in the certificate passbook.

Club Accounts
If you close the account before interest is credited you will lose the accrued interest.

Inquiry at Foreign Terminal (Does not include ATM Surcharge)	$ 1.50
Withdrawal at Foreign Terminal (Does not include ATM Surcharge)	$ 1.50
Transaction at Hometown Bank Terminal	No Fee
POS (Point of Sale) Transaction	$ 0.75

Safe Deposit Boxes

3 x 5	$ 40.00
5 x 5	$ 55.00
3 x 10	$ 75.00
5 x 10	$ 90.00
Key Replacement	$ 25.00
Lock Box Break-In	$175.00
Late Rental Fee (after 30 days)	$ 5.00

Insufficient Funds	$35.00 per item
Unavailable Funds	$35.00 per item
Stop Payment	$30.00
Instant Statement	$ 5.00
Copy of Statement	$ 5.00
Counter Checks	$ 3.00/page of 3
Check Printing Charge	Varies

Monthly Service Charge	$5.00*
Per Deposit	$ 0.15
Per Checks Paid (1st 50 Checks paid free)	$ 0.15 after 1st 50
Per Item Deposited (1st 50 Deposited items free)	$ 0.15 after 1st 50
*an annual earnings credit of .10 on the average daily collected balance will be applied against any monthly fees due, reducing or eliminating fees.

Monthly Service Charge	$10.00
Other Business Checking Fees
Night Deposit Bag Rental	$20.00
Lost Bag Fee	$20.00
Lost Bag Key	$ 5.00
Purchase of rolled coin	$ .10/roll
Purchase of strapped currency	$ .30/strap

Money Orders	$ 4.00
Teller Checks	$ 6.00
Returned Deposited Item	$ 22.00
Returned Checks (payments)	$ 30.00
Photocopies (per page)	$ 0.75
Charge for Check Protest	$ 30.00
Domestic Check Collection	$ 20.00
Foreign Check Collection	$ 35.00
Charge for FAX Usage	$ 3.00 per page
Charge for Certified Check	$ 15.00
Wire Transfer—outgoing (Domestic)	$ 25.00
Wire Transfer—outgoing (Foreign)	$ 50.00
Wire Transfer—incoming	$ 15.00
Legal Papers Served	$125.00
Research Fee	$ 30.00 per hour
Savings Overdraft	$ 7.50 per transfer
Abandoned Property Fee	$ 50.00
Notary Fee (non-customer)	$ 2.00 per item
Signature Guarantee Fee (non-medallion)	$ 1.00
i-Bank Home Banking & Bill Payment	No Fee
i-Bank Stop Payment	$ 30.00
i-Bank Copy of a Check	$ 25.00
Copy of 1099/1098	$ 5.00
Coupon Envelope	$ 15.00 per envelope
Lost Passbook	$ 10.00
Charge for Undeliverable Statement	$ 10.00
Medallion Stamp Guarantee	$5.00
Visa® Gift Card	$4.95
Early Close-out fee (within 180 days of opening)	$25.00
Reg D excess transaction fee	$15.00/per item