Banking Fees and Charges
| Fee Name | Amount |
| Internet Banking and TeleBanking - make inquiries and transfer funds between SNBT accounts. | FREE |
| Internet Banking with Bill Pay (consumer accounts) | FREE |
| Images with your bank statement (except Home Free) | FREE |
| VISA Check Card monthly maintenance fee per card | FREE |
| Non-proprietary ATM usage fee (may be FREE for Premium e-Checking) | $2.00 |
| VISA Check Card or PIN replacement fee | $5.00 |
| VISA Check Card international transactions; conversion rate selected by Visa | Varies |
| Stop Payments (valid for 6 months) [eff. 1/1/2008] | $30.00 |
| Non-sufficient Items [eff. 1/1/2008] | $30.00 |
| Overdraft Items [eff. 1/1/2008] | $30.00 |
| Temporary checks (10) | $1.00 |
| Cashiers Check (customer/non-customer)[3 free for Priority customers per month.] | $5/$10.00 |
| Money Order [only $1.00 for Priority or Prestige customers] |
$2.00 |
| Travelers' Check - 1 party = 1%; 2 party = 1.5% [fee waived for Priority customers] | 1 or 1.5% |
| Coin counter fee (customer/non-customer)[no charge for Priority customers] | 5%/15% |
| Check cashing for non-customers (minimum $10) | 1% |
| Credit Inquiry | FREE |
| Night deposit rental fee for lock bag (one-time fee) | $20.00 |
| Auto-transfer from another SNBT account for overdraft protection | $2.00 |
| Telephone balance inquiry (5 free per mo)(no charge for TeleBank or Internet Bank inquiries) | $2.00 |
| Telephone transfer (no charge for TeleBank or Internet Bank transfers) | $2.00 |
| Account Activity printout | $2.00 |
| Deposit correction | FREE |
| Return Item (charged back to the account) | $5.00 |
| Return Item > $2,500.00 (charged back to the account) | $10.00 |
| Redeposit item | $2.00 |
| Copy of statement or photocopies | $1.00 |
| Account research of balancing (per hour, 1 hour minimum) | $25.00 |
| Hold statement monthly fee | $5.00 |
| Returned mail per item fee | $5.00 |
| Special statement cut-off | $5.00 |
| Statement on CD-ROM | $7.50 |
| Fax | $2.00 |
| Close account within 90 days of opening | $25.00 |
| Account re-opening fee (plus any charged off balance) | $20.00 |
| Tax levies or garnishments (plus attorney fees) | $50.00 |
| Wire Transfer (incoming domestic) | $5.00 |
| Wire Transfer (outgoing domestic) | $20.00 |
| Wire Transfer (international) | Cost + $10 |
| Collection Item (outgoing) | $10.00 |
| Collection Item (incoming) | $20.00 |
| Collection/Envelope draft | $25.00 |
| Safe deposit lost key replacement | $25.00 |
| Safe deposit drill box fee | Cost + $10 |
| Safe Deposit Box Rental fees - sizes vary by location and are subject to availability | Varies |
| Check printing fees vary depending on the style and quantity of checks ordered. Priority customers receive 2 free boxes of Bank stock checks annually; Prestige customers receive their 1st order of Bank stock checks free. | Varies |
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