Account Fees and Service Charge Schedule

Effective 04-02-2024

The following fees may be assessed in connection with your account and/or use of PointBank services:
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ACCOUNT FEES:

24 Hr. X-press Banking Automated Services

• No Live Agent, available at 940-686-6060 or 972-434-3293
  FREE

Online Banking Services i

• Online Banking Access and E-Statements, available at www.pointbank.com
  FREE

• Returned Mail Fee
  $5.00

Bill Payment Service (optional enrollment)

• $5.00 per month

PointBank Accountholder

• Use of PointBank ATM
  FREE
• Use of Non-PointBank ATM ii (per withdrawal, deposit, transfer, payment, and/or balance inquiry)
  $1.00
• Initial Debit Card
  FREE
• Replacement Debit Card iii (per card)
  $5.00
• Account Closing (if closed within 90 days of account opening for any reason)
  $20.00

Account Research

Account Activity Printout (only for account activity occurring within most recent 3 years)

• First Page, including cover, plus applicable sales tax
  $3.00
• 2nd through 10th pages, per page, plus applicable sales tax
  $2.00
• Each additional page, plus applicable sales tax
  $1.00

• Account Reconciliation Charge (per hour, 1 hr. minimum)
  $25.00
• Account Research Charge (for account activity older than 3 years, certificates of deposit, subpoenas, and other research requests)(per hour, 1 hr. minimum)
  $25.00

Research Item Printouts

• First Page, including cover, plus applicable sales tax
  $3.00
• 2nd through 10th pages, per page, plus applicable sales tax
  $2.00
• Each additional page, plus applicable sales tax
  $1.00

• Assisted Telephone Transfers Using Live Agent (per transfer)
  $2.00
• Cashier’s Check (per check)
  $5.00

*Dormant fee (per month)

• If, after 6 months of no debits or credits on the account, the average daily balance during that time period is less than $100 (excluding Piggy Pal)
  $10.00

• Paper Statement Fee
  $2.00
• Stop Payments (per check, ACH item, or sequence of checks)
  $33.00
• NSF/Returned Items for Insufficient Funds (per item, per presentment)
  $33.00

Overdraft Item (per item)

• Applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means
  $33.00

• Recurring ACH Fee (Waived for accounts with a monthly service charge)
  $0.99 per ACH
  
• Draft Collection Items (per item requiring special handling), plus cost
  $15.00

MISCELLANEOUS SERVICES CHARGES:

• Non-PointBank Accountholder Check Cashing 
  $5.00
• Collection Items (Canadian only)
  $20.00 plus third part cost incurred by PointBank
• Coin Counting Machine
  10% for Non-PointBank Accountholders, 3% for PointBank Accountholders
• Coin Roll (per roll)
  $0.20
• Currency Strap (per strap)
  $0.50

Fax Machine (incoming or outgoing)

• First Page, including cover, plus applicable sales tax
  $5.00
• 2nd through 10th pages, per page, plus applicable sales tax
  $2.00
• Each additional page, plus applicable sales tax
  $1.00

• Foreign Currency Exchange Collection Item (plus third-party costs)
  $20.00
• Garnishments/Levies/Subpoena (per request)
  $100.00
• Lock Bags (small)
  $12.00
• Lock Bags (large)
  $17.00
• Lost Coupon Book (per book)
  $10.00
• Medallion Signature Guarantee
  $50.00
• Night Depository Key
  $10.00
• Photocopies (per page)
  $0.20
• Sweep Transaction (per transaction)
  $10.00
• Temporary Checks (per check, minimum of 10)
  $0.20
• Wire Transfer – Outgoing Domestic (per transfer)
  $20.00
• Wire Transfers – Outgoing International (per transfer)
  $55.00
• Wire Transfers – Incoming Domestic or International (per transfer)
  $7.00
• Zipper Bags
  $4.00

MISCELLANOUS COMMERCIAL SERVICES CHARGES:

Some fees are specific to Commercial Account Services and may require additional agreements. Please refer to our Business Account Document for more information.

• Remote Deposit Capture (per month)
  $20.00

Rev. 04/24