The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:

Client Services
Account Research $30.00 per hour
Cash Advances
Customer – FREE
Non-Customer – $10.00
Non-Customer Tax Refund – 5% of advance amount, minimum of $5.00
Cashier’s Checks – Customers Only $6.00 per check
Change Order
Customers – FREE
Non-Customers – 5% of total change order
Check Cashing
Non-Customer Payroll or On-Us Items – $5.00 per check
Non-Customer Tax Refund Checks – 5% of the item, minimum of $5.00
Collection Items $20.00 – Per Item Collected
Fax
Outgoing, First Page – $5.00
Outgoing, Each Additional Page – $3.00
Incoming Per Page – $1.00
Foreign Currency
$12.50 – Per Order
$17.50 – Per Order with Rush Shipping
Money Orders
Customers – $2.00 per money order
Non-Customers – $3.00 per money order
Notary Service – Customers Only (where available) FREE
Photocopies $0.25 per page
ATM/Debit Cards
Hot Card $15.00
Hot Card & Reissue
$20.00
Hot Card (Abroad) $80.00
Money Pass ATM Withdrawal (includes Unico Bank ATMs)
FREE
Non-Money Pass Foreign ATM Withdrawal
$1.00 per transaction – Not including per transaction
fees assessed by the ATM owner
Replacement Cards $5.00
Replacement PIN Number
$2.00
Rush Fee (If Card is Mailed)
$10.00
Daily Card Limits
ATM Only Card $210.00 Cash Withdrawal Only
Consumer and/or Business Debit Card
$1,500.00 Point of Sale Transactions
$510.00 Cash Withdrawal
$2,010.00 Combined Limit
HSA Debit Card $505 Point of Sale Transations
$255.00 Cash Withdrawal
$760.00 Combined Limit
Minor Account Holder Debit Card
$505 Point of Sale Transations
$255.00 Cash Withdrawal
$760.00 Combined Limit
Account Services
Check Printing Fees Temporary Counter Checks – $1.00 per sheet of 4
Check Orders – vary by style of checks ordered.
Copy of Cancelled Check or Deposit
$2.00 per copy
Deposit Return Item – Per Item Returned $5.00 – Consumer
$7.50 – Commercial
Dormant Account Fees
$5.00 per month

An account is considered dormant if you have no other active checking or savings accounts and for the previous 6 months there has been not activity or other indication in writing from you of an interest in this account AND the checking account balance is under $500.00
Early Account Closing Fee
$50.00 – Within 1 Month of Open Date
$25.00 – Within 2-6 Months of Open Date
Garnishment
Greater of 2% or $8.00
Statement Reprint
$5.00 per statement if statement requested is older than 12 months
Stop Payment
$30.00 per Item

Stop payments cannot be placed on ATM transactions, debit card transactions, or items that have already been presented for payment
Tax Levy
$100.00
Telephone Transfers
$1.00 per transfer
Online Banking/Mobile Banking/Telephone Banking
Anytime Access Telephone Banking, 24 Hour Service FREE
Mobile Banking – Unico Bank App
FREE
Mobile Deposit Consumer – FREE
Small Business – $25 per month for 10 transactions,
$5.00 for each additional transaction
Online Banking
FREE
Online Bill Pay Service for Consumer and Small Business
FREE
$9.95 – Rush Delivery ACH
$14.95 – Rush Delivery Check
Business Online/Cash Management
Basic Cash Management, Inquiry Only $15.00 per month
Cash Management – including ACH Only $35.00 per month
Cash Management – including Wires Only $35.00 per month
Cash Management – including ACH & Wires $50.00 per month
Cash Management – including Remote Deposit Capture Coming Soon!
One-Time Setup Fee $25.00
Same Day ACH File Origination $10.00 per file
Security Tokens
First Token – FREE
Additional Tokens – $15.00
Replacement Tokens – $25.00
Overdraft Charges
If the actual ledger balance is negative $5.00 or less $0.00 per item
If the actual ledger balance is negative $5.01 to $15.00 $5.00 per item
If the actual ledger balance is negative $15.01 to $30.00 $15.00 per item
If the actual ledger balance is negative $30.01 or more $30.00 per item
Daily limit on overdraft fees $300.00 per business day
An overdraft charge may be assessed per item for covering overdrafts created by check, in-person withdrawal, automated clearinghouse (ACH) transactions, recurring and one-time debit card transactions, ATM withdrawals, electronic funds transfers, internet banking transfers, wire transfers, telephone transfers, and bill pay transactions regardless of whether that item has been previously presented and returned.
Note: For Consumer Accounts, we will not charge a fee for overdraft transactions created by ATM withdrawals or one-time debit card transactions if you have not
opted to allow Courtesy Pay funds to be made available for ATM withdrawals or “one-time” debit card transactions.

Return Item Charges
If the actual ledger balance is negative $5.00 or less $0.00 per item
If the actual ledger balance is negative $5.01 to $15.00 $5.00 per item
If the actual ledger balance is negative $15.01 to $30.00 $15.00 per item
If the actual ledger balance is negative $30.01 or more $30.00 per item
Daily limit on return item fees for nonsufficient funds (NSF) transactions $300.00 per business day
Note: Payment transactions may be presented to us for payment multiple times and we do not monitor or control the number of times that a payment is presented to us for payment. We may charge you a return item fee each time the payment transaction is presented to us for payment, regardless of the number of times the payment transaction is presented as each such instance constitutes a separate NSF transaction.
*See the Terms and Conditions Account Addendum – Understanding and Avoiding Overdrafts and Return Item Fees for more details.

Wire Transfer Fees
Incoming Wire $12.50 per wire
Outgoing Domestic Wires $20.00 per wire
Outgoing Foreign Wires $75.00 per wire
Safe Deposit Boxes (where available)
3×5 Box $12.00 per year
3×10 Box $20.00 per year
4×5 Box $16.00 per year
4.5×4.5 Box $16.00 per year
5×5 Box $16.00 per year
4.5×6 Box $18.00 per year
5×8 Box $25.00 per year
5×9.5 Box $30.00 per year
5×10 Box $30.00 per year
6×9.5 Box $30.00 per year
6×10 Box $35.00 per year
9×10 Box $45.00 per year
9.5×10 Box $45.00 per year
10×10 Box $70.00 per year
10×15 Box $90.00 per year
12×20 Box $150.00 per year
Replacement Key $35.00
Drilling Fees As Incurred