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Schedule of Fees

Schedule of Fees

SCHEDULE OF FEES

The following fees, effective Feb. 1, 2024, may be assessed against your account and the following transaction limitations, if any, apply to your account.

SCHEDULE OF FEES

Name of FeeWhen Fee AppliesFee Amount

Name of Fee

Account Research

When Fee Applies

Fee may apply when any documentation or account research is needed on an open or closed account. Fee may also apply if more than 10 account statements are requested.

Fee Amount

$20.00/hour, $10.00 minimum

Name of Fee

Duplicate Account Statement

When Fee Applies

Fee may apply when customer requests a copy of an account statement. This applies to each individual account statement printed or emailed.

Fee Amount

$5.00/each

Name of Fee

Consumer BillPay - SimplePay:

When Fee Applies

Fee applies when more than 20 bills are paid from a consumer deposit account using HOMEBANK's BillPay system through Online Banking. For example, if consumer deposit account pays 22 bills in one month, a BillPay Fee service charge of $1.10 will be applied to the account at the end of the month.

Fee Amount

20 bills free per month, additional bills $0.55 each.

Name of Fee

BillPay Inactive Fee - Consumer

When Fee Applies

Fee applies if you have signed up for Online BillPay and do not pay at least one bill using the BillPay service for two consecutive months. Fee will be charged each month until BillPay is utilized or contacted Bank to deactivate.

Fee Amount

$5.00 after two consecutive months of inactivity

Name of Fee

Cashier's Checks/Money Orders

When Fee Applies

Fee may apply when a cashier's check or money order is purchased. Fee applies to each individual purchase.

Fee Amount

$5.00

Name of Fee

Coin Counting Fee (non-customers)

When Fee Applies

Fee may apply when a non-customer of HOMEBANK utilizes coin counter available at a HOMEBANK branch. HOMEBANK will charge a 5% fee on total amount of coin counted. For example, if $20.00 in coin is counted, a coin counting fee of $1.00 will be deducted from amount of coin counted. Non-customer would then receive $19.00.

Fee Amount

5.00%

Name of Fee

Cross Border Fee

When Fee Applies

Fee may apply when customer purchases items using debit card from a foreign country. Cross Border Fee applies based on location of seller, not location of purchaser.

Fee Amount

Varies per Transaction

Name of Fee

e-Requirement Fee

When Fee Applies

Fee applies when the following requirements are not met on designated account types: 1. Access Online Banking once per statement cycle and 2. Enroll in electronic statements.

Fee Amount

$5.00

Name of Fee

Expedited Debit Card Order

When Fee Applies

Fee may apply when debit card is overnighted to customer at address on file.

Fee Amount

$100.00

Name of Fee

External ACH Setup Fee

When Fee Applies

Fee may apply when customer requests HOMEBANK to set up an electronic funds transfer to another financial institution or company electronically.

Fee Amount

$10.00

Name of Fee

External ACH Modification Fee

When Fee Applies

Fee applies when customer requests HOMEBANK to modify an existing electronic funds transfer to another financial institution or company.

Fee Amount

$5.00

Name of Fee

Foreign ATM Transaction fee

When Fee Applies

Fee may apply when an ATM not owned or operated by HOMEBANK is used for a cash withdrawal or balance inquiry. ATM Owner may charge additional fees. Fees will be disclosed at the ATM before completing a cash withdrawal transaction.

Fee Amount

$1.00

Name of Fee

Foreign Item Processing - Foreign Checks Sent for Credit Collection

When Fee Applies

Fee may apply when customer brings in a non-USA check for deposit or cash. The funds may need to be converted to USA dollars and conversion rates may apply. This service is typically not available same business day.

Fee Amount

$40.00

Name of Fee

Foreign Item Processing - Foreign Checks Sent for True Collection

When Fee Applies

Fee may apply when customer brings in a non-USA check deposit. The funds may need to be converted to USA dollars and conversion rates may apply. Verification of funds may take 6-8 weeks for approval and funds to be available.

Fee Amount

Varies per Transaction

Name of Fee

FOREIGN CURRENCY (Customers only)

When Fee Applies

Fee Amount

Name of Fee

Ordering

When Fee Applies

Fee applies when customer orders currency from a foreign country.

Fee Amount

$35.00

Name of Fee

Redeeming

When Fee Applies

Fee applies when customer redeems any amount of foreign currency for US Currency. Fee applies each time currency is redeemed.

Fee Amount

$15.00

Name of Fee

Garnishments, Levies, Executions

When Fee Applies

Fee may apply when HOMEBANK is presented with a garnishment, levy, or execution.

Fee Amount

$50.00

Name of Fee

Indemnity Bond

When Fee Applies

Fee may apply if cashier's checks or money orders are lost, stolen, or destroyed and payee needs the cashier's check or money order reissued.

Fee Amount

$10.00

Name of Fee

IRA Outgoing Transfer Fee

When Fee Applies

Fee may apply when customer requests funds to be transferred from HOMEBANK to another financial institution or company.

Fee Amount

$50.00

Name of Fee

Loan Payment made with Debit or Credit Card

When Fee Applies

Fee may apply when loan payment is made with a debit card or credit card. Fee will be applied for each payment made - a minimum amount applies. For example, if loan payment is $500.00, a fee of $12.50 will be applied in addition to loan payment. If loan payment is $300.00, a fee of $10.00 will be applied in addition to loan payment.

Fee Amount

2.50% of payment amount with $10.00 minimum

Name of Fee

Non-Customer Check Cashing Fee

When Fee Applies

Fee may apply when HOMEBANK chooses to cash a check not drawn off an account held by HOMEBANK for a noncustomer. For example, if a $100.00 check is cashed, a $10.00 check cashing fee will apply. If a $800.00 check is cashed, a $16.00 check cashing fee will apply.

Fee Amount

2.00% of check amount; minimum of $10.00

Name of Fee

Overdraft Fees

When Fee Applies

Fee Amount

HOMEBANK may pay and charge up to 5 items per day with a maximum of $178.00 per day per account. This includes 5 paid items per day and a $3.00 continuous overdraft fee, if applicable. Order of Items Clearing are: ATM/Point of Sale (POS) Visa Debit Card Transactions, ACHs, and then by check number (lowest to highest).

Name of Fee

Non-Sufficient Funds (NSF) Paid Item Fee

When Fee Applies

Fee may apply if HOMEBANK chooses to pay an item presented for payment and funds are not available in customer's account. Fee may be applied each time the item is presented for payment.

Fee Amount

$35.00

Name of Fee

Non-Sufficient Funds (NSF) Return Item Fee

When Fee Applies

Fee may apply if HOMEBANK chooses to return an item presented for payment unpaid if no funds are available in the account. Fee may be applied each time the item is presented for payment.

Fee Amount

$35.00

Name of Fee

Continuous Overdrawn Balance Fee

When Fee Applies

Fee may apply to account after 3rd consecutive business day of negative account balance of $5.00 or more. Fee will continue to be charged until account balance is positive.

Fee Amount

$3.00

Name of Fee

Notary Service

When Fee Applies

Fee may apply when a public notary at HOMEBANK signs a document. The fee may apply to each document notarized.

Fee Amount

$2.00 per document

Name of Fee

Replacement Debit Card

When Fee Applies

Fee may apply when customer requests new debit card.

Fee Amount

$10.00

Name of Fee

Returned Statement Fee

When Fee Applies

Fee may apply when deposit account statement is returned to HOMEBANK via US Mail more than once. A Returned Statement Fee may apply each month per account.

Fee Amount

$5.00

Name of Fee

SAFE DEPOSIT BOXES

When Fee Applies

Fee Amount

See your local branch for size availability and pricing

Name of Fee

Replacement key for Safe Deposit Box

When Fee Applies

Fee may apply when HOMEBANK must hire third party locksmith to replace key for Safe Deposit Box. Fee applies each time a key must be made.

Fee Amount

$25.00

Name of Fee

Drill Fee for 2 Lost Keys on Safe Deposit Box

When Fee Applies

Fee may apply when HOMEBANK must hire third party locksmith to drill Safe Deposit Box to obtain contents of Safe Deposit Box. This may be due to lost keys or an unclaimed box due to Safe Deposit Box delinquency.

Fee Amount

Based on Current Market Price

Name of Fee

Annual Rent Late Fee

When Fee Applies

Fee may apply when annual rent for Safe Deposit Box is not paid within 30-calendar days of rent due date. Annual Rent Late Fee is added on to annual rent payment, when applicable.

Fee Amount

$10.00

Name of Fee

Stop Payment Fee

When Fee Applies

Fee may apply when HOMEBANK is instructed to not pay on an ACH payment or check. Fee is applied for each payment and dollar amount requested to not pay.

Fee Amount

$25.00

Name of Fee

WIRE TRANSFERS

When Fee Applies

Fee Amount

Name of Fee

Outgoing Wire Fee - Domestic

When Fee Applies

Fee may apply when funds are requested to be sent via wire transfer to another party in the United States. Fee is in addition to wire transfer amount.

Fee Amount

$25.00

Name of Fee

Incoming Wire Fee - Domestic

When Fee Applies

Fee may apply when funds are received by HOMEBANK via wire transfer to your deposit account from another party in the United States. Fee is deducted from HOMEBANK account receiving wire transfer.

Fee Amount

$10.00

Name of Fee

International Wire Fee - Outgoing

When Fee Applies

Fee may apply when funds are requested to be sent via wire transfer to another party located in a foreign country. Fee is in addition to wire transfer amount.

Fee Amount

$50.00

Name of Fee

International Wire Fee - Incoming

When Fee Applies

Fee may apply when funds are requested to be sent via wire transfer from another party located in a foreign country. Fee is deducted from HOMEBANK account receiving wire transfer.

Fee Amount

$50.00

The Bank reserves the right to change fees with 30 days written notice to the customer.