Consumer Internet Banking



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
Bank Check  (1 check free per day) $6.00
Certified Check $20.00
Christmas Club w/d, early closeout penalty $20.00
Closed Account (within first 180 days) $15.00
Dormant/Inactive (per month) $6.00
Duplicate 1098 or 1099 $5.00
Fax Service (first page) $2.00
Each additional page $1.00
IRA Account Transfer Fee $25.00
Lost Passbook $10.00
Money Orders ($500.00 maximum) $2.00
Non-Customer check cashing (on-us) $5.00
Notary Public/Customer FREE
Notary Public/Non-customer $2.00
Overdraft Privilege $30.00
Photocopies $0.50
Garnishment & Levies $150.00
Return Items  (ACH, Overdrafts) $30.00
Returned Deposited Check $15.00
Special Collections Price varies
Stop Payment $30.00
Telephone Transfer $5.00
Unscheduled Statements $5.00
Visa Gif Card Issuance Fee $4.95
Visa Gift Card Inactivity fee (assessed on the first day of each month after 12 months of inactivity) $5.00
Visa Gift Card Cash Out or Lost/Stolen Fee $5.00
Wire Out (Domestic) $25.00
Wire In (Domestic) $15.00
Wire In (International) $50.00

Checking Account

 
Online Banking/Bill Pay Free
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 6 cks per cycle) $10.00
NOW Account check printing Varies per style of check
Overdraft Protection-Sweep (per occurence) $5.00

Interest Checking Account

 
Online Banking/Bill Pay $4.95
If the average daily balance drops below $500.00 $8.00
Small Business Checking  
If the average daily balance drops below $1,000.00 $10.00
Bill Pay $4.95

Business Checking

 
If the average daily balance drops below $3,000.00 $15.00
Coin Purchase (per roll) $0.10
Currency Purchase (per strap) $0.25
Over 50 transactions $0.25 each
Bill Pay $4.95
Business Interest Checking  
If the average daily balance drops below $5,000.00 $15.00
Bill Pay $4.95

Commercial Checking

 
Monthly Service Charge $35.00
Bill Pay $4.95

Statement Savings

 
If the average daily balance drops below $50.00 for the month $5.00

ATM/Debit

 
ATM/POS Daily Withdrawal Limit $1,000.00
Expedited Visa Card $35.00
Foreign ATM Balance Inquiry/Withdrawal $3.00
International ATM/ Debit surcharge Varies
Pin Reminder $5.00
Point of Sale $0.00
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
Night Depository  
Bags $10.00
Keys $5.00
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               

$40.00
$60.00
$70.00
$90.00
$170.00
Late Payment (Monthly) $5.00
Box Boring/ Drill Box $200.00
Lock Change/ Lost Key $65.00

Effective Date: July 7, 2014

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