FEE SCHEDULE

Service		Fee
Account reconciliation		$20 per hour
Account research		$35 per hour/$.25 per copy/$35 min.
Balance inquiries		No charge
Bank money orders:		$5 each
Bill Pay through Online Banking		Free
CashCard and Check &CashCard replacement card fee		$5
Cashier's checks:		$5 each
Foreign cashier's checks		$25 each
Collection items		$25 each
Continuous negative balance fee*		$30 each 7th day
Dormant charge
Checking acct - 1 yr. no activity		$5 per month if balance falls below $1,000.00
Savings acct - 2 yrs. no activity		$6 per quarter if balance falls below $1,000.00
Duplicate statements		$2 each
Early account closing		$10 for accounts opened less than 6 months
Fax receiving		$.50 per page
Fax transmittals		$2 for 1st page, $1 per page thereafter
Garnishments and levies		$35 charge
Indemnity bonds		$20 each
Laminating		$1 per page
Night depository bags		Cost varies with size
Non FIB&T checks that cannot be processed automatically		$.50 per check
Notary Services
Customers		No charge
Non-customers in ND		$5 per item (as allowed by law)
Non-customers in AZ		$2 per item (as allowed by law)
NSF - paid item fee*		$30 per item
NSF Returned item fee*		$30 per item
Overdraft fee - savings		$30 per item
Photocopies		$.25 per copy
Safe deposit boxes**
Rental		Based on size and availability
Lost key and forced entry		$40 min.
Late payment		$15
Stop payments		$30 per item or $60per range of items
Telephone transfers		No charge
Visa Gift Card***		$4.95 each
Wire transfers - incoming		$15 each
Wire transfers - outgoing:
Customers		$15 each
Heritage Club members		$12 each
Business customers		$25 each
Non-customers		$25 each
International wires		$50 + costs
Services and fees are subject to change at anytime. *A non-sufficient funds (overdraft/negative balance) fee may result from the payment of checks, in-person withdrawals, recurring debit card transactions or other electronic funds transfers, or other withdrawal requests you initiate. ** FDIC does not insure Safe Deposit Box Contents. *** FDIC does not insure Visa Gift Cards.