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©1999-2009 Bay-Vanguard. All Rights Reserved.

Bay-Vanguard reserves the right to collect the following fees:

General
Account Reconciliation (per hour)		$20.00
Account Research (per hour)		$25.00
Account Research 12 months or older (per hour)		$40.00
Bay-Vanguard Cashier’s Check  (1st check free per day)		$6.00
Certified Checks		$15.00
Closed Account (within first 60 days)		$15.00
Dormant/Inactive (per month)		$6.00
Fax Service (first page)		$2.00
Each additional page		$1.00
Lost Passbook		$5.00
Money Orders ($500 maximum)		$2.00
Photo Copies		$0.50
Processing Garnishment & Levies		$100.00
Return Items  (ACH, Overdrafts)		$30.00
Returned Deposited Check		$15.00
Special Collections		Price varies
Stop Payment		$25.00
Telephone Transfer		$5.00
Travelers Checks (per $100)		$1.00
Unscheduled Statements		$5.00
Wire Out (Domestic)		$20.00
Wire In (Domestic)		$15.00
Wire In (International)		$25.00
Checking Accounts
Bill Pay for Internet Checking (unlimited)		$4.95
Copy of cancelled check(s) (per check)		$5.00
Copy of cancelled check(s) 25 months or older		$7.50
Issuance of new account due to lost/stolen checks		$5.00
Money Market (over 3 cks per cycle)		$9.00
NOW Account check printing		Varies per style of check
Overdraft Protection-Sweep (per occurence)		$5.00/day
Interest Checking Account
If the average daily balance drops below $500 for the month		$8.00
Business Checking
If the average daily balance drops below $3,000 for the month		$15.00
Coin Purchase (per roll)		$0.10
Currency Purchase (per strap)		$0.25
Commercial Checking
Monthly Service Charge		$35.00
Statement Savings
If the average daily balance drops below $50 for the month		$5.00
ATM/Debit
Expedited Visa Card		$35.00
International ATM surcharge		Varies
Pin Reminder		$5.00
Replace Visa Card and Pin		$10.00
Debit Card Transaction NSF/Uncollected Funds		$30.00
Withdrawals, balance inquiry, or transfer (per transaction) *First 5 transactions per statement cycle are NO CHARGE		$1.25
Safe Deposit Box
Box Rental                      3 x 5 Boxes                  5 x 5 Boxes                  3 x 10 Boxes                  5 x 10 Boxes                 10 x 10 Boxes	BVFSB Account Holder $20 $40 $50 $60  $100	Non Account Holder $40 $50 $60 $80 $100
Late Payment (Monthly)		$5.00
Box Boring/ Drill Box		$200.00
Lock Change/ Lost Key		$65.00
Lost Key		$10.00
Premier Money Fund
If the average daily balance drops below $10,000 for the month		$10.00
Business Money Market
If the average daily balance drops below $1,000 for the month		$5.00
Commercial Checking
If the average daily balance drops below $1,000 for the month		$10.00
Commercial Checking
If the average daily balance drops below $2,500 for the month		$12.00

Effective Date: September 1, 2008