Fee Schedule Global One Bank

Schedule of Deposit Account Products and Common Features Service Fees

Common Features	Service Fees
Account-to-Account Transfer Requests	Complimentary
Account Balance Inquiries	Complimentary
Account Closed within first 90 Days	$30
Account Research Assistance, per hour	$30
Account Research Printed Documents, per page	$3
Check Orders (cost will vary by styles and accessories)	Varies
Collection Items (Incoming or Outgoing), per item	$20
Debit Card Replacement	$10
Fax Fee, per page (customers only)	$2
Foreign Exchange Fee, each, cost plus	$10
Garnishment, Levy, or Freeze by Court Order or IRS	$75
Individual Retirement Accounts (Close out, Transfer, Early Withdrawal)	$25
Internet Banking with Bill Pay	Complimentary
Notary Services (customers only)	Complimentary
Overdraft or Non-Sufficient Funds Fee, per item	$35
Overdraft Protection (automated transfers from a linked account)	Complimentary
Print-out of Statement or Images, per page	$3
Returned Deposited Checks or Debits ("Charge-backs"), per item	$5
Returned Deposited Checks or Debits ("Recleared"), per item	$5
Return Mail Handling, per item	$10
Stop Payment for Check or Range of Checks	$35
Stop Payment for ACH or Recurring Item	$35
Temporary Check Printing (per sheet of checks)	$5
Third-part Customer Authorized Verification of Account(s)	$25

Common Features	Service Fees
Automated Teller Machine ("ATM")	no
Chappell Hill Bank owned or in-network ATMs	Complimentary
Non-owned ATM Transactions, Transfers, each	$2.00
no	no
Cashier's Checks	no
Cashier's Checks (Available to customers only)	$8
Conversion of On-Us Check to Cashier's Check (non-customer)	$15
Cashier's Check Stop Payment and Reissue, per item	$45
no	no
Check Cashing*	no
Checks Drawn on Customer's account at Chappell Hill Bank	Complimentary
*We do not offer check cashing to non-customers	no
no	no
Safe Deposit Box and Safekeeping Services (effective 4-15-21)	no
Auto-Debit of box fees to a CHB deposit account is required	no
Safekeeping of Documents - Annual Fee	$50
3x5 Box	$25
3x10 Box	$50
5x10 Box	$75
10x10 Box	$150
Safe Deposit Box Drilling	$200
Safe Deposit Key Replacement, each	$50
no	no
Wire Transfers and Transfer Remittances	no
(Customers Only)	no
Wire Transfer Cut-off time is 2.00pm daily	no
Domestic Wire (incoming or Outgoing)	$30
International Wire (Incoming or Outgoing)	$50

Deposit Account Products

Non-Interest Bearing Accounts

Checking with Direct Deposit	no
Minimum Balance to Open	$50
Minimum of one direct deposit per month required	No Fee
Will convert to a Regular Checking account if direct deposit is not posted
no	no
Regular Checking
Minimum Balance to Open	$50
Minimum Daily Balance to Avoid Monthly Fee	$750
Monthly Service Fee*	$8.50
*No Monthly Service Fee for Seniors 60+, Students, Educators, Military or First Responders (Police, EMS, Fire, Medical)
no	no
Business Checking
Minimum Balance to Open	$50
Minimum Daily Balance to Avoid Monthly Fee	$500
Monthly Service Fee if balance drops below minimum daily balance	$10

Interest Bearing Accounts

Now Checking
Minimum Balance to Open	$50
Minimum Daily Balance to Earn Interest	$1,000
Minimum Daily Balance to Avoid Monthly Fee	$1,000
Monthly Service Fee is balance drops below minimum daily balance	$15
no	no
Money Market
Minimum Balance to Open	$50
Minimum Daily Balance to Earn Interest	$2,500
Minimum Daily Balance to Avoid Monthly Fee	$2,500
Monthly Service Fee if balance drops below minimum daily balance	$15
Withdrawal Fees in excess of 6 per month, per item	$15
no	no
Statement Savings
Minimum Balance to Open	$50
Minimum Daily Balance to Avoid Quarterly Fee	$200
Quarterly Service Fee if balance drops below minimum daily balance	$5
Withdrawal Fees in excess of 3 per quarter, per item	$5

Certificate of Deposits (“CD”)

CD Terms from 6-months to 5-years
CDs are Automatically Renewable at maturity. There is 10-day grace period at maturity for all CDs to renew or withdraw funds.
Early Withdrawal Penalties may reduce the Annual Percentage Yield. Early Withdrawal penalties may reduce the principal. Early withdrawal penalty will be a minimum of 6-months interest.

Frequency and method of interest payments or withdrawals may affect the Annual Percentage Yield.
Interest o CDs may be capitalized to the CD quarterly or accrued interest may be credited to a deposit account monthly/quarterly.

Loan Products

The Bank offers a wide range of loan products and services, including Residential Loans, a variety of Personal Loans, Commercial Loans, Real Estate Loans, Interim Construction Loans, and Home Equity Loans.

Other Disclosures

Other fees may apply.
Interest Rates are subject to change without notice. Common feature service fees are subject to change without notice.
Transfers from a Money Market Account or Savings Account to another account or to third parties by preauthorized, automatic, telephone, or computer transfers are limited to six per statement cycle.

The Bank uses the Daily Balance computation method to calculate interest on deposits.
A $30 “Inactivity Fee” may be assessed if a deposit account or safe deposit box remains inactive for 11-months. The Bank will make a reasonable effort to contact the customer to avoid the fee and to return the account to an active status.
Please refer to the Bank’s account Terms and Conditions agreements and other important account disclosures for more details.

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