This schedule lists the fees and service charges that may be assessed on consumer and small business deposit accounts. Commercial analysis pricing, treasury management service charges and merchant services pricing are set out in the pricing schedule attached to your Treasury Management Master Services Agreement and are not published here. All charges are assessed in United States dollars and are debited from the account to which they relate on the day incurred, except monthly service charges, which are debited on the last business day of the statement cycle.
| Service | Charge |
|---|---|
| Account maintenance | |
| Simple Checking monthly service charge | No charge |
| Calder Advantage Checking monthly service charge | $12.00, waived with a minimum daily balance of $1,000.00 or combined deposit and loan balances of $15,000.00 |
| Cornerstone 55 Checking monthly service charge | No charge (age 55 and over) |
| Statement Savings monthly service charge | $4.00, waived with a minimum daily balance of $300.00 |
| Young Saver monthly service charge | No charge |
| Premium Money Market monthly service charge | $15.00, waived with a minimum daily balance of $2,500.00 |
| Christmas Club annual service charge | No charge |
| Dormant account charge, after 18 months of no customer initiated activity | $5.00 per month |
| Account closed within 90 days of opening | $25.00 |
| Overdrafts and returned items | |
| Overdraft charge, per item paid | $32.00 |
| Returned item charge, per item returned unpaid | $32.00 |
| Maximum overdraft and returned item charges per business day | 4 items, $128.00 |
| No charge is assessed if the account is overdrawn by $5.00 or less at the end of the business day | No charge |
| No charge is assessed on an item of $5.00 or less | No charge |
| Extended overdraft charge, on the 7th consecutive business day overdrawn and every 7th day thereafter | $8.00 |
| Overdraft Protection transfer from a linked deposit account | $10.00 per transfer day, maximum one per day |
| Overdraft Protection advance from a linked line of credit | No transfer charge; interest accrues per the line agreement |
| Cards and electronic services | |
| Debit card, first card and replacement on expiry | No charge |
| Debit card replacement, lost or damaged | $7.50 |
| Debit card rush replacement, 2 business day delivery | $38.00 |
| Automated teller machine withdrawal or inquiry, machine not owned by the Bank | $3.00 per transaction |
| Automated teller machine surcharge rebate, Cornerstone 55 Checking | Up to $12.00 per statement cycle |
| Calder Total Access online and mobile banking | No charge |
| Bill Payment Service, consumer account | No charge |
| Bill Payment Service, expedited electronic payment | $9.95 |
| Bill Payment Service, expedited check by overnight courier | $29.95 |
| Calder Send person-to-person transfer | No charge |
| External transfer to an account at another institution, standard 3 day delivery | $1.00 |
| External transfer, next business day delivery | $8.00 |
| Account alerts by text message | No charge; message and data rates from your carrier may apply |
| Payments and transfers | |
| Incoming domestic wire transfer | $15.00 |
| Outgoing domestic wire transfer, at an office | $35.00 |
| Outgoing domestic wire transfer, initiated in Treasury Gateway | $22.50 |
| Incoming international wire transfer | $20.00 |
| Outgoing international wire transfer, US dollars | $52.50 |
| Outgoing international wire transfer, foreign currency | $47.50 plus the exchange rate spread |
| Wire transfer trace or amendment request | $30.00 per request, whether or not the trace succeeds |
| Wire recall request | $30.00, plus any charge imposed by the beneficiary bank |
| Stop payment order, check or preauthorized transfer, 6 month duration | $34.00 |
| Stop payment order, renewal for a further 6 months | $20.00 |
| Stop payment on a range of consecutive check numbers | $34.00 for the range |
| Cashier’s check, customer | $10.00 |
| Cashier’s check, non-customer | Not available |
| Official check reissue after 90 days | $35.00 plus an indemnity bond where required |
| Money order, limit three per day | $4.00 |
| Research, records and legal process | |
| Copy of a paid check or a deposited item | First 3 per statement cycle no charge, then $4.00 each |
| Statement copy | $6.00 per statement |
| Duplicate year end tax form | $6.00 per form |
| Account research | $35.00 per hour, one hour minimum, billed in quarter hour increments |
| Balance verification or deposit verification letter | $25.00 |
| Audit confirmation, per account | $30.00 |
| Levy, garnishment, attachment or other legal process | $125.00 per order |
| Subpoena response | $85.00 plus $0.35 per page and actual copying and courier costs |
| Escheatment processing, per account remitted to the State | $50.00 |
| Safe deposit and branch services | |
| Safe deposit box, 3x5 | $45.00 per year |
| Safe deposit box, 5x5 | $70.00 per year |
| Safe deposit box, 3x10 | $85.00 per year |
| Safe deposit box, 10x10 | $210.00 per year |
| Safe deposit box, late payment | $15.00 after 30 days past the anniversary date |
| Safe deposit box, lost key replacement | $35.00 |
| Safe deposit box, drilling and lock replacement | $225.00, billed at cost where the vendor charge exceeds that amount |
| Coin counting, customer | No charge |
| Coin counting, non-customer | 3% of the amount counted, $3.00 minimum |
| Notary service, customer | No charge |
| Foreign currency ordering | $12.00 per order plus the exchange rate spread; 3 business days |
| Collection item, domestic | $30.00 |
| Collection item, foreign | $55.00 plus correspondent bank charges |
Fees are subject to change. Where a change increases a fee or adds a new fee on a consumer account, we will give you at least 30 days' written notice before the change takes effect, sent to the address or the electronic address we have on record for you. A change that reduces a fee or removes one may take effect without notice.
A fee assessed against an account with insufficient funds may itself overdraw the account, and an overdraft caused by a fee is an overdraft for purposes of the extended overdraft charge in this schedule.
The following charges have not been repriced since the date shown and are reproduced from the schedule then in effect. They apply to services that are still offered but are rarely requested.
| Service | Charge |
|---|---|
| Special statement cutoff, per request | $12.00 |
| Statement held at office for pickup, per month | $5.00 |
| Christmas Club, withdrawal before November 1 | $10.00 |
| Passbook savings, replacement of lost passbook | $15.00 |
| Photocopy of a microfilmed item, per item | $8.00 |
| Check printing | Varies by style; charged by the printer |
| Temporary check, per sheet of four | $2.00 |
| Deposit bag, locking, each | $18.00 |
| Night depository key deposit, refundable | $25.00 |
| Return of a deposited item for endorsement, per item | $5.00 |
Passbook savings has been closed to new accounts since 2013. Christmas Club accounts distribute on November 1 of each year by transfer to the linked deposit account of record.
On the maximum daily charge. The four item cap applies per account, per business day, to the combined total of overdraft charges and returned item charges. It does not apply across linked accounts. A customer with a personal account and a sole proprietorship account can be assessed the cap on each on the same day.
On the order in which items are posted. The order in which items are posted to your account affects how many overdraft charges are assessed. We post credits first, then debits within each category in the order described in the Deposit Account Agreement. We do not post debits in high to low dollar order. Posting order was changed in 2015 and again in 2019, and the current order is the one described in the version of the Deposit Account Agreement dated 02/26/2026.
On waivers. Any employee may waive one overdraft charge on a consumer account once in a rolling twelve month period without a supervisor's approval. Beyond that, waivers require an officer's approval and are recorded. A waiver granted once does not create an entitlement to another, and a fee that has been waived is still a fee that was assessed for purposes of the four item daily cap.
Call (423) 555-0142 or visit any office. If you believe a charge was assessed in error, tell us within 60 days of the statement on which it appeared. Charges relating to an electronic fund transfer are handled under the error resolution procedure in the Electronic Fund Transfers Disclosure. Calder Bank & Trust, N.A. Member FDIC.