Personal Fee Schedule – 2017 (detailed below)

Executive Classic Checking

The minimum opening balance is $250. No monthly maintenance fee will be assessed during months where the required daily balance of $1,000 is maintained. If required balances are not maintained, a maintenance fee of $12 per month will be assessed on Executive Classic Checking accounts. A monthly fee of $10 will be assessed on accounts that elect to receive paper statements.

Executive 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 Executive 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.  

Plus Checking

The minimum opening balance is $100. No monthly maintenance fee will be assessed during months where the required average monthly balance of $1,000 is maintained. If required balances are not maintained, a maintenance fee of $10 will be assessed on Plus Checking accounts receiving electronic statements and a maintenance fee of $20 will be assessed on Plus Checking 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.

Executive 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 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.  

High Yield 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. If required balances are not maintained, a maintenance fee of $15 per month will be assessed on High Yield 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 Classic 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 Classic Savings 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. 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 over the 6 debits per month.

Executive Youth Savings

The minimum opening balance is $100. No monthly maintenance fee will be assessed for accountholders under 18 years of age. 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 $3 will be charged for each debit over the 6 debits per month.

Executive CD

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. Interest earnings are compounded and paid based on the individual terms of the CD.

Miscellaneous Fee Schedule

Personal 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
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 Fee)
$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 items $5 & under)                                              
$0 per item
Overdrafts (paid or returned items over $5)
$37 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
Bill Pay Stop Pay                                                      
$30
Temporary Checks
$1 each
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
Tracer   
$15
Writs of Garnishment                                         
$250 plus attorney’s fees
Zipper Bags                                                           
$3

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