COMMON FEATURES 
 

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
Check printing: (fee depends on style of check ordered)
Money order: $1.00
Cashier's checks: $3.00
Nonsufficient funds (NSF) item (each): $18.00
Overdraft status daily fee:
   Personal $5.00
   Commercial $5.00
Account research: $10.00 per hour
Stop payments (all items): $10.00
Photocopies: $0.50
Wire transfers:
   Outgoing $25.00
   Incoming $25.00

We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.  See your notice of penalty for early withdrawal.

   


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PEOPLES BANK AND TRUST COMPANY

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

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