Commercial Fee Schedule – 2017 (detailed below)

Executive Small Business Checking
The minimum opening balance is $100. No monthly maintenance fee will be assessed during months where the required minimum daily balance of $3,000 or the average monthly balance of $5,000 is maintained. If required balances are not maintained, a maintenance fee of $15 per month will be assessed on Executive Small Business Checking accounts. A monthly fee of $10 will be assessed on accounts that elect to receive paper statements. Executive Small Business Checking accountholders will enjoy 250 free items; items include deposited items, deposit tickets, and checks. A charge of $0.35 per transaction will be assessed on items exceeding this limit.
 
Executive Commercial Checking
The minimum opening balance is $100. This account is charged based on a monthly analysis. A credit based on your average investable funds is applied and a credit is deducted from the monthly service charge. Please contact your treasury management officer for cash management product pricing.
 
Professional’s Advantage
The minimum opening balance is $100. No monthly maintenance fee will be assessed during months where the required average monthly balance of $20,000 is maintained. If required balances are not maintained, a maintenance fee of $15 per month will be assessed on Professional’s Advantage accounts. A monthly fee of $10 will be assessed on accounts that elect to receive paper statements.
 
IOTA
The minimum opening balance is $1. No monthly maintenance fee charged to the attorney. Interest is compounded and paid monthly. The interest rate and APY will depend upon the balance in this account as shown on the rate chart. The interest rate and APY are subject to change at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example checks). Fees may reduce earnings. A minimum balance of $1 must be held in the account each day to obtain the disclosed Annual Percentage Yield. Eligibility restrictions apply.
 
Business Interest Checking
The minimum opening balance is $100. No monthly maintenance fee will be assessed during months where the required minimum daily balance of $1,500 is maintained. If required balances are not maintained, a maintenance fee of $15 per month will be assessed on Business Interest Checking accounts. A monthly fee of $10 will be assessed on accounts that elect to receive paper statements. Interest is compounded and paid monthly. The interest rate and APY will depend upon the balance in this account as shown on the rate chart. The interest rate and APY are subject to change at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example checks). A minimum balance of $100 must be held in the account each day to obtain the disclosed Annual Percentage Yield. Eligibility restrictions apply.
 
Association Advantage Interest Checking
The minimum opening balance is $100. No monthly maintenance fee will be assessed during months where the required minimum daily balance of $100 is maintained. If required balances are not maintained, a maintenance fee of $15 per month will be assessed on Association Advantage Interest Checking accounts receiving electronic statements and $25 per month will be assessed on accounts receiving paper statements. Interest is compounded and paid monthly. The interest rate and APY will depend upon the balance in this account as shown on the rate chart. The interest rate and APY are subject to change at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example checks). A minimum balance of $100 must be held in the account each day to obtain the disclosed Annual Percentage Yield. Please contact your treasury management officer for cash management product pricing. Eligibility restrictions apply.
 
Association Advantage Money Market
The minimum opening balance is $2,500. No monthly maintenance fee will be assessed during months where the required minimum daily balance of $2,500 is maintained. If required balances are not maintained, a maintenance fee of $15 per month will be assessed on the Association Advantage Money Market accounts. Interest is compounded and paid monthly. The interest rate and APY will depend upon the balance in this account as shown on the rate chart. The interest rate and APY are subject to change at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example checks). A minimum balance of $2,500 must be held in the account each day to obtain the disclosed Annual Percentage Yield. 6 transfers are allowed in each 4-week or similar period, if preauthorized/automatic transfer, telephone agreement, order or instruction. These transfers may be made by check, draft, or similar order made by the depositor and payable to third parties. Transfers made in person, by messenger, or mail are unlimited. A fee of $10 will be charged for each debit in excess of 6 debits per month.
 
Executive Business Money Market
The minimum opening balance is $2,500. No monthly maintenance fee will be assessed during months where the required minimum daily balance of $2,500 is maintained. If required balances are not maintained, a maintenance fee of $15 per month will be assessed on Executive Business Money Market accounts. Interest is compounded and paid monthly. The interest rate and APY will depend upon the balance in this account as shown on the rate chart. The interest rate and APY are subject to change at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example checks). A minimum balance of $2,500 must be held in the account each day to obtain the disclosed Annual Percentage Yield. 6 transfers are allowed in each 4-week or similar period, if preauthorized/automatic transfer, telephone agreement, order or instruction. These transfers may be made by check, draft, debit card, or similar order (including POS) made by the depositor and payable to third parties. Transfers made in person, by messenger, by mail or at an ATM are unlimited. A fee of $10 will be charged for each debit in excess of 6 debits per month.
 
Executive Business Savings
The minimum opening balance is $100. No monthly maintenance fee will be assessed during months where the required minimum daily balance of $500 is maintained. If required balances are not maintained, a maintenance fee of $5 per month will be assessed on Executive Business Savings accounts. A monthly fee of $10 will be assessed on accounts that elect to receive paper statements. A minimum balance of $100 must be held in the account each day to obtain the disclosed Annual Percentage Yield. Interest is compounded and paid monthly. The interest rate and APY will depend upon the balance in this account as shown on the rate chart. The interest rate and APY are subject to change at our discretion. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example checks). A minimum balance of $100 must be held in the account each day to obtain the disclosed Annual Percentage Yield. 6 transfers are allowed in each 4-week or similar period, if preauthorized/automatic transfer, telephone agreement, order or instruction. These transfers may be made by draft or similar order (including POS) made by the depositor and payable to third parties. Transfers made in person, by messenger, by mail or at an ATM are unlimited. A fee of $5 will be charged for each debit in excess of the 6 debits per month.
 
Executive Certificate of Deposit
The minimum opening balance is $2,500. CD time deposit terms, range from 30 days to 5 years. Interest begins to accrue on the date of deposit. No additional deposits or withdrawals can be made after the initial CD terms are established. CD terms of 1 year or less, the penalty will be 3 months of interest. CD terms over 1 year and less than 5 years, the penalty will be 6 months of interest. CD terms over 5 years, the penalty will be 1 year of interest. The early withdrawal penalty equals the loss of seven days’ interest on funds withdrawn within the first six days of deposit.
 
Transaction Fee

Executive Commercial Checking Accounts on Analysis

Monthly Maintenance                                           
$20
Paper Statement
$10
Deposit Ticket                                                 
$0.40
Checks Paid                                                       
$0.18
Deposited Items                            
$0.12
Electronic Debit Item        
$0.12
Electronic Credit Item 
$0.12
Wire Transfer Advice Service (e-mail or fax)                                   
$1.50                                               

 

 

Miscellaneous Fee Schedule

Business Accounts

Accounts Closed by Mail                                      
$25
Automatic Teller Machines
 
     Executive National Bank (ENB) Card Transaction at ENB            
$0
     Nonproprietary ATM Transactions                      
$2
     Nonproprietary ATM Balance Inquiry                 
$1
     Foreign Card Transaction at Proprietary ATM
$5
Affidavit Letter/Consular                                    
$15
ACH Origination**
 
     ACH Origination Monthly Service
$40 
     ACH Origination File Upload
$5 per file
     ACH Origination Item
$0.20 per item
     ACH Return Item
$3.00 per item
     ACH Unauthorized Return Item
$30.00
Cashier’s Checks
 
     Customer                                                                
$8
     Non-Customer (exchange only)*                                       
$25
Check Cashing Fee (non-customer)*                                   
$7
Copy of Check                                                       
$2
Closed Accounts (under 6 months)                     
$30
Debit Card Replacement 
$15
Debit Card Replacement (Rush Order)
$125
Deposit Correction                                                                
$5
Deposited Items Returned                                    
$12
Deposited Items Re-deposited                                             
$5
Documentary Collections                                     
$125
Domestic Collections
 
     Incoming                                                                                
$30
     Outgoing                                                                               
$20
Dormant Accounts (checking and savings)                             
$20 per month
Estoppel Fax
$20
Estoppel Letter
$20
Estoppel Recording
$20
International Collections
 
     Incoming                                                               
$75
     Outgoing
$50
IRA’s Transfer/ Closeout Fee
$40
Levy Processing                                              
$125
Money Orders                                                        
$5
Notary (Customer Only)                                      
$10
Outgoing Canadian Collections $5
Overdrafts (paid or returned)                                              
$38 per item
Overdraft Balance Interest Rate                                           
18% per annum
Overdraft Protection Transfer Fee                        
$10
Photocopies                                                           
$2  per copy
Research (per hour)/Statement Reconciliation     
$40
Research CD $25
Safe Deposit Boxes
 
     Key Deposit                                                           
$20
     Drilling Charge                                                      
$200
     Key Replacement                                                    
$20
     Late Payment Fee                                                  
$10
Statement Copy                                                    
$5
Stop Payments                                                      
$30 per item
Temporary Checks
$1 each
Uncollected Funds/ Unavailable Funds                                  
$30 per item
VISA ISA Fee                                                        
1% to 3% per foreign transaction
Wire Transfers
 
     Incoming Domestic Wire                                       
$15
     Incoming Foreign Wire                                                   
$20
     Outgoing Domestic Wire                                               
$45
     Outgoing Foreign Wire  (Foreign Currency/Non-Correspondent)  
$75
Business eBanking Wire Transfers   
 
     BeB Wire Transfers Module    
$10 per month
     BeB Outgoing Domestic Transfer    
$12
Tracer   
$15
Writs of Garnishment                                         
$250 plus attorney’s fees
Zipper Bags                                                           
$3

*Fees for non-customers exchanging and/or cashing ENB checks.

**Association Advantage accountholders are not charged the ACH monthly service or file upload fees; Association Advantage accountholders are instead charged $0.35 per ACH item.