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Other Terms

Fees and other account terms given in this brochure are effective September 1, 2005 and are subject to change. Additional terms and conditions may apply. Checks and other items deposited on weekends and holidays will be credited on the next business day. On the bank's Interest Checking and Money Market accounts, interest is accrued monthly, paid monthly, and is computed using your daily collected balance. Mountain Heritage Savings is a statement savings account. Interest is accrued quarterly, paid quarterly and computed using your daily collected balance. On all interest bearing transaction accounts, if the account is closed before interest is paid, the accrued interest will be forfeited. Interest rates set by Mountain Heritage Bank are variable and subject to change.

Other Specific Charges
Stop Payment $5.00
NSF Paid Item Fee/NSF Returned Item Fee (each) $30.00
Cashiers Check (each) $5.00
Wire Transfer Domestic/Incoming & Outgoing $15.00
Foreign Wire Transfers $40.00
Deposited Return Items $5.00
Travelers Checks 1% of purchase amount
Collections - Incoming $15.00
Collections - Outgoing $20.00
Copy of Statement $5.00
Research (per hour) $25.00
Foreign ATM Charge (our customer using other ATMs) $1.00
Overdraft Protection transfers $5.00
Non customer checks cashed $5.00
Inactive/Dormant Fee (one time charge) $60.00
When an account is classified as Inactive/Dormant, Mountain Heritage Bank will attempt to contact the signer(s). The account will incur a one time $60.00 dormancy charge if the account has had no activity or contact for a period of one year.

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