Fee Schedule Global One Bank

Schedule of Deposit Account Products and Common Features Service Fees

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

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

Deposit Account Products

Non-Interest Bearing Accounts

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

Interest Bearing Accounts

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