Disclosures

Other Fees
Online Banking FREE
Online Bill Payment FREE
ATM and MasterMoney Debit Card transactions
– West Point Bank and affiliates FREE
– All other machines ATM transactions $1.50

(The owner of the ATM at which a transaction is conducted may assess an additional surcharge.
There will NOT be a fee for transactions conducted at Meade County Bank, First State Bank,
River City Bank, or Bank of Clarkson ATM machines.)
International ATM/Debit Card Transactions 1%(of the transaction)
ATM/Debit Card Replacement fee $12.00
Check Printing Fee- depends on style of check ordered
Overdraft Charge & Return Item Charge (per item)

An overdraft may be created by check, in-person withdrawal, ATM withdrawal or any other electronic means. Transactions may not be processed in the order in which they occurred, and that the order in which transactions are received by the institution and processed can affect the total amount of overdraft fees incurred by the customer. Any fee charged to the account counts toward the total amount of the overdraft limit established by the bank.
Daily Overdraft Charge for each day overdrawn. Overdrafts covered within 48 hours from the date
overdrawn will not be subject to these daily overdraft charges.
– All Checking Accounts $6.00
Deposited items returned unpaid $5.00
Stop Payment Request (if amount, payee & check # given) $25.00
All other Stop Payment Request $50.00
Account Record Research Fees:
– Check Image Copies (per item)/ including statements $3.00
** Plus research charge (per hour- one hour minimum) $25.00
Dormant Checking Account Fee* $10.00
(No credit or debit activity for a period of 180 days and the account has a balance of $200 or less.)
Safety Deposit Box (annually):
3 X 5…$12.00 3 X 10…$24.00 10 X 10…$50.00
5 X 5…$15.00 5 X 10…$30.00
**Contents not insured by the FDIC or this institution
Lost safety deposit box key- one (1) key $10.00
Drill and replace lock on safety deposit box $50.00
Outgoing Wire Transfer- Customers Only
Domestic $20.00
International $50.00
Incoming $6.00
Attachments, Garnishments & Levies (each occurrence) $75.00
Cashier’s Check $2.00
UPDATED ON 03/05/2012

Other Services
Internet Banking & Bill Pay - Internet Banking allows you to view the balance and print recent activity from each of your accounts. Bill Pay is offered, free of charge with all of our Internet Banking account. Bill Payment allows you to make payments through CheckFree to other businesses, merchants, professionals, and individual payees.

E-Statements - To save paper and time, you have the option to receive your statements via the internet. Through E-Statments you receive your statement with activity and check images, directly to your email account.

Telephone Banking - Information about your account is available 24-hours a day, seven days a week. You may dial 270-982-7282 to find out information about your checking, savings, certificates of deposits, and loans.

Credit Cards - West Point Bank is an issuer of MasterCard Credit Cards. This card can be used anywhere displaying the MasterCard logo. Credit Card Applications are available on request, see a West Point Bank customer service representitive for an application, fees and interest rate.

Check Imaging - West Point Bank utilizes check imaging for the processing, storing and retrieval of checks. Check imaging is a method of processing checks that converts a check into an electronic image. The image is identical to the original check in every detail. This image legally becomes the check and is acceptable to a court of law and by the IRS. We will provide you with a three ring binder, free of charge, in which to store statements and check images. Check imaging substantially reduces the time and cost retrieving copies of checks and statements.

For additional information regarding our services and fees, please contact us at 270-351-1414.

UPDATED ON 03/05/2012