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Personal Schedule of Charges

 

FREEDOM CHECKING ACCOUNT
No Monthly Charge
• Home Banking Bill Payer Fee
• Home Banking Bill Payer Fee - 
  with Direct Deposit


$9.95
No Charge
REALITY CHECKING
• Monthly charge if the average daily balance drops below $1,000 during the statement cycle or the combined average daily balance of all linked 
accounts falls below $5000* or without direct deposit
• Home Banking Bill Payer Fee
 

$10.00

 

 

 

 

 

 

No Charge

FREEDOM MONEY MARKET ACCOUNT
• Monthly Charge if the average balance drops below $1000 any day of the month $10.00
• You may make six (6) withdrawals per month. Each subsequent withdrawal (per check charge) $5.00
FREEDOM Plus
• Monthly charge if the average daily balance drops below $500 during the statement cycle or the combined average daily balance of all linked 
accounts falls below $5000* or without direct deposit
$5.00
E-FREEDOM Plus
• Monthly charge if the average daily balance drops below $500 during the statement cycle or the combined average daily balance of all linked 
accounts falls below $5000* or without direct deposit
$5.00
• Home Banking Bill Payer Fee No Charge
FREEDOM 50
• No Monthly Charge  
E-FREEDOM 50  
• No Monthly Charge   
• Home Banking Bill Payer Fee No Charge
SAVINGS ACCOUNTS
• Lost passbook
$10.00
• Early Closure (w/in 6 months of opening) $5.00
• Monthly charge if average daily balance below $250 during statement cycle $2.00
• OD (Overdraft) Protection Tran Fee
  (per transfer)
$5.00
CERTIFICATES OF DEPOSIT
• Lost certificate $10.00
ELECTRONIC FUNDS TRANSFER
• Replacement of a lost or stolen ATM or Debit Card $10.00
• Overdraft charge for Electronic Funds Transactions $25.00
• Transactions conducted at Litchfield Bancorp ATM terminals No Charge
Freedom Checking, Commercial DBA
• Foreign transactions (transactions conducted at ATM machines other than Litchfield Bancorp's)
Monthly Card Activity Charges will be debited on each statement cycle. 

Freedom Checking, Commercial DBA, Reality Checking, Freedom Plus Checking, Freedom50 Checking
ATM service charge

$1.50
• POS (Point-of-sale) withdrawal No Charge
WIRE TRANSFER
Domestic 
Foreign 
$20.00
$36.00
COLLECTION ITEMS
• Incoming per item — cost to the Bank plus $15.00
• Outgoing per item — cost to the Bank plus $15.00
• Foreign per item - cost to the Bank plus $30.00
NIGHT DEPOSITORY SERVICES
• Night bag security deposit $25.00
• Non-lock zipper bag $5.00
OTHER CHARGES
Fee applies to Insufficient Funds or Uncollected Funds created by "check, in-person withdrawal, ATM withdrawal, or other electronic means," as applicable

• Insufficient Funds charge (per item)
• Uncollected Funds charge (per item)

$25.00

$25.00

• Stop Payment fee (per request) $25.00
• Certified Check fee (per check) $20.00
• Returned Check charge
(deposited check returned)
$15.00
• Check order charge (cost for printing varies depending on the style of checks ordered - available on request)  
• Research charge (per hour - one hour minimum) $30.00
• Statement balance charge (per hour - one hour minimum) $30.00
• Check Copy $5.00
• Statement History Fee $5.00
• Levies or garnishments (processed, per incident) $40.00
• Acceptance of Garnishments and Levies $8.00
• Over-the-counter temporary checks (each sheet) $4.00
• Foreign Currency $20.00 plus correspondent fees
• Travelers checks (per $100 purchased) $1.00
• Travelers checks-Two signatures 
(per $100 purchased)
$1.75

• Treasurer's checks purchased (each check) -First free if withdrawn from an account or over age 50 

 

• Money Orders purchased (each check)
-First free if withdrawn from an account or over age 50

 

 

• Loose coin counting

 

• IRA Closeout

 

$5.00

 

 

 

$3.00

 

 

 

3% of total
minimum fee of $5.00

 

$25.00

VISA ®TRAVELMONEY AND GIFT CARDS
• Visa ® TravelMoney
• Visa ® Gift Card
$9.95
$5.00
 
ACCT INACTIVITY FEE
• Savings Accounts that have been in dormant status for 24 months or longer and Checking and NOW Accounts that have been in a dormant status 12 months or longer. Monthly fee  

 

$5.00

SAFE DEPOSIT BOXES

Please contact bank for charges and availability

 



* Combined balances will be based on linked accounts that are reported under the same Social Security Number or Tax ID Number.

Items that appear in bold type represent changes that take effect on April 15, 2007

 

   

 


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