712-243-3195 | 223 Chestnut St. Atlantic, IA 50022

Fee Schedule

Banking products to help you reach your goals.

We are a healthy, growing, locally-owned, independent bank working to improve our community of Atlantic, Iowa.

SIX SERVICE PLANS ARE AVAILABLE

2. Regular checking – the charge is based on your minimum balance in your account. The more you keep in the account the less the charge. This method consists of two charges:
– A debit item charge of $.05 per check or ACH debit with no
charge for the first 10 debits.
– A maintenance charge as follows:
MINIMUM DAILY BALANCE CHARGE
$600 – above none
400 – 599 $ .25
300 – 399 .50
200 – 299 .75
Below 199 1.00

3. Banclub
– Unlimited check writing
– Free basic personalized checks
– Cashier’s checks at no charge
– $10,000 accidental death insurance, family plan available for additional fee
– Many other money-saving benefits – see our employees for details
– Minimum charge of $6.00 per month basic coverage; $7.00 additional coverage; $8.00 family coverage

4. “NOW” Accounts
– Personalized checks at discount prices
– Variable rate interest
– Interest is calculated on ledger balance
– $5.00 maintenance fee when daily balance falls below $700.00 and an average balance of $1,250.00

5. “SUPER NOW” Accounts
– Personalized checks at discount prices
– Money market rates on collected balances
– Interest rate could change daily
– Minimum balance to open is $2500
– $5.00 maintenance fee when daily balance falls below $700.00 and an average balance of $1,250.00

6. “Health Savings” Accounts
We offer Health Savings Accounts at the Bank. Your funds are put into a variable rate checking account in which the interest rate can change quarterly. The interest rate will be determined by the 36 month certificate of deposit rate on the first day of each quarter.
– Interest begins to accrue on the day of deposit for both cash and non-cash items.
– Interest is compounded and credited monthly to the account.
– If you close your account before interest is credited, you will receive the accrued interest.
– We use the daily balance method to calculate the interest on your account. This method applies  a daily periodic rate to the principal in the account each day.
– There is no minimum balance to be maintained in this account.
– There are no fees on this account.
– There are no limitations as to the number of transactions per month.

SAVINGS ACCOUNTS

Passbook Savings – For your everyday savings needs, you will earn interest, compounded and paid quarterly. Your money earns interest from day of deposit to day of withdrawal. Variable rate.

HIFI Savings – Money market rate if balance is above $2500. Rate goes to passbook rate if balance falls below $2500 during month. Rate varies. Interest compounded and paid monthly on collected balances. Accessible daily. Service charges are: Personal – $5.00 maintenance charge when daily balance falls below $700.00 and an average balance of $1,250.00. Non-Personal – $1.00 monthly maintenance, 10¢ per ledger item and 5¢ per deposited check.

Whitney Plus Money Market Savings
– Interest compounded and paid monthly on collected balances. Accessible daily. Service charges are: Personal – $5.00 maintenance charge when daily balance falls below $700.00 and an average balance of $1,250.00. Non-Personal – $1.00 monthly maintenance, 10¢ per ledger item and 5¢ per deposited check. Rates vary and are tiered depending on balance in account.
* All deposit accounts require $100 initial deposit.

CERTIFICATES OF DEPOSIT

7 – 31 day Certificate of Deposit – $2500 minimum, automatically renewable. Rate quoted on weekly basis.
91 day Certificate of Deposit – $2500 minimum, automatically renewable. Rate quoted on weekly basis.
182 day Certificate of Deposit – $2500 minimum, automatically renewable. Rate quoted on weekly basis.
12 month Certificate of Deposit – $500 minimum, automatically renewable. Rate quoted on weekly basis.
18 month Certificate of Deposit – $500 minimum, automatically renewable. Rate quoted on weekly basis.
30 month Certificate of Deposit – $500 minimum, automatically renewable. Rate quoted on weekly basis.
36 month Certificate of Deposit – $500 minimum, automatically renewable. Rate quoted on weekly basis.
48 month Certificate of Deposit – $500 minimum, automatically renewable. Rate quoted on weekly basis.
60 month Certificate of Deposit – $500 minimum, automatically renewable. Rate quoted on weekly basis.
Special Certificates – Maturity varies. $2500.00 minimum for less than 1 year, $500.00 minimum for 1 year and longer. Automatically renews to current non-special rate closest to the term of the special certificate. Rates quoted on a weekly basis.

SAFETY DEPOSIT BOXES

Keep your valuables in a safe place.
Contents not insured by FDIC, or First Whitney Bank.
2”x5” $20.00 Annually
3”x5” $23.00 Annually
4”x5” $25.00 Annually
5”x5” $27.00 Annually
3”x10” $30.00 Annually
5”x10” $40.00 Annually
9”X10” $55.00 Annually
10”X10” $60.00 Annually
Forcible Entry – Lock Replacement Cost + Labor
Key Replacement $25.00
Key Deposit $25.00
(Refundable when lease is terminated)

NIGHT DEPOSIT

Key Replaced $5.00
Keyed Bags $15.00
Non-locking bags $3.00

MISCELLANEOUS ACCOUNT SERVICES

Stop payments $20.00
Return Check and Overdraft $20.00
Overdraft Closing Fee $20.00
Research Time $30.00/hour
$10.00 minimum
Dormant Accounts $5.00/mo.
Replacement Statement – Consumer $1.00
Replacement Statement – Business 25¢/page
Personalized check charges vary by supplier and style
Collection Items – non customers $10.00
(no charge to customers)
Cashier’s Checks $3.00
(Free to Banclub members)
Wires-Outgoing $10.00 each
Wires-Incoming $15.00
Wires-International $30.00
Photocopies 25¢ each
Bank By Mail – ask for pre-addressed envelopes
Savings Bonds – redemption – Not FDIC Insured
Visa Application available
Coin Counting & wrapping 5% (minimum $5.00)
(non-customers only)
Notary Service free
ATM Card $10.00 plus tax per card per year
ATM Withdrawals $1.00 each, first four per month are free.
Access fees may be charged when customer uses an ATM machine not
operated by this bank.
ATM/Debit Card Replacement Charge $5.00
Telephone & Automatic Transfers $3.50 each
Overdraft Protection $3.50 per transfer
Fax $4.00
Garnishment or Notice of Levy $25.00 each

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