Accounts Fee Summary

Everyday Busy Accounts

Features + Fee Summary Information

At The St. Henry Bank, we want to help you understand the basics of your Everyday Busy Accounts.
Please read all fee information and details concerning your account.

Everyday Busy Account Previously known as Performance + Pass/Plus Checking + Silver accounts
Minimum Deposit to Open $50.00
Monthly Maintenance Fees Yes No monthly fee unless balance falls below $900.00
Average Monthly Balance
$0 – $200.00
$201.00 – $500.00
$501.00 – $700.00
$701.00 – $900.00
Over $900.00
Charge
$5.00
$4.00
$3.00
$2.00
No charge
Avoid monthly fees by maintaining a balance of $1,500.00 in your Passbook Savings Account.
Check Writing Unlimited
Interest Bearing Account No Consider our Everyday Interest Account for interest benefits.
ATM Fees $0.00 ATM fees apply at partnership networks only.
$2.00 per transaction at non-partnership network ATMs.
MASTERMONEY® Debit Card Yes
Bill Pay $4.95 Avoid monthly fee by paying 1 bill a month
Online Banking Yes E-Statements available with online banking enrollment.
Direct Deposit Yes
Everyday Interest Account Previously known as NOW
Minimum Deposit to Open $1,500.00
Monthly Maintenance Fees $6.00 No monthly fee unless balance falls below $1,500.00
Check Writing Unlimited
Interest Bearing Account Yes $1,500.00 and up: 0.20% APY
ATM Fees $0.00 ATM fees apply at partnership networks only.
$2.00 per transaction at non-partnership network ATMs.
MASTERMONEY® Debit Card Yes
Bill Pay $4.95 Avoid monthly fee by paying 1 bill a month
Online Banking Yes E-Statements available with online banking enrollment.
Direct Deposit Yes
Everyday Interest Plus Account Previously known as Super NOW
Minimum Deposit to Open $3,000.00
Monthly Maintenance Fees $6.00 No monthly fee unless balance falls below $3,000.00
Check Writing Unlimited
Interest Bearing Account Yes $3,000.00 and up: 0.25% APY
ATM Fees $0.00 ATM fees apply at partnership networks only.
$2.00 per transaction at non-partnership network ATMs.
MASTERMONEY® Debit Card Yes
Bill Pay $4.95 Avoid monthly fee by paying 1 bill a month
Online Banking Yes E-Statements available with online banking enrollment.
Direct Deposit Yes
Student Account
Minimum Deposit to Open $50.00
Monthly Maintenance Fees No No monthly maintenance fees. At the age of 24 years, this account will be upgraded to an Everyday Busy Account.
Interest Bearing Account No Consider our Everyday Interest Account for interest benefits.
ATM Fees $0.00 ATM fees apply at partnership networks only.
$2.00 per transaction at non-partnership network ATMs.
MASTERMONEY® Debit Card Yes
Bill Pay $4.95 Avoid monthly fee by paying 1 bill a month
Online Banking Yes E-Statements available with online banking enrollment.
Direct Deposit Yes
Silver Account
Minimum Deposit to Open $50.00
Monthly Maintenance Fees No No monthly maintenance fees. Eligibility limit is 65 years of age or older.
Interest Bearing Account No Consider our Everyday Interest Account for interest benefits.
ATM Fees $0.00 ATM fees apply at partnership networks only.
$2.00 per transaction at non-partnership network ATMs.
MASTERMONEY® Debit Card Yes
Bill Pay $4.95 Avoid monthly fee by paying 1 bill a month
Online Banking Yes E-Statements available with online banking enrollment.
Direct Deposit Yes
Other Fees
Check Printing Starting price: $23.00 per 150/box (personal)
Starting price: $60.00 per 300/box (business)
Money Orders $1.50
Cashier’s Check $1.50
Deposited Check (+ other items) Returned Unpaid $9.00
Overdraft (Each debit or check unpaid) $22.00
Account Research $10.00 per hour
Special Statement Cutoff $3.50
Account Balancing Assistance $10.00 per hour
Stop Payments (Bill Pay) $20.00
Stop Payments (checks) $10.00
Stop Payments (ACH payments) $10.00
Photocopies $0.25
Wire Transfers Incoming $10.00
Wire Transfers Outgoing $20.00
Foreign Wire Transfers $75.00
Safe Deposit Box Call for box sizes and availability.
Indemnity Bond $25.00

Everyday Savings Accounts

Features + Fee Summary Information

Advantage Account Previously known as Money Market Plus + SHB Century Club
Minimum Deposit to Open $3,000.00
$10,000
Monthly Maintenance Fees $6.00 No monthly fee unless balance falls below $3,000
Pre-Authorized Transfers 6 transfers per statement cycle If you exceed this limit, there will be a service charge of $2.00 per transfer over 6.

Visit one of our three locations for cash withdrawals or transfers from this account to another

account can be done as many times as you want with no service charge.

Interest Bearing Account Yes $3,000.00 – $9,999.00: 0.30% APY
$10,000.00 and up: 0.35% APY
ATM Fees $0.00 ATM fees apply at partnership networks only.
$2.00 Per transaction at non-partnership network ATMs.
Online Banking Yes E-Statements available with online banking enrollment.
Direct Deposit Yes
Safe Deposit Box Call for current pricing and availability.
Regular Savings Account
The Passbook
Deposit to Open + Min Balance $50.00
Monthly Maintenance Fees No
Transaction Charge No
Interest Rate 0.25% Interest will be paid semiannually
Annual % Yield 0.25%
Online Banking Yes
The Christmas Club
Deposit to Open + Min Balance $50.00
Monthly Maintenance Fees No Checks will be distributed on October 15
Interest Rate 0.20%
Annual % Yield 0.20%
Online Banking Yes
The Vacation Club
Deposit to Open + Min Balance $50.00
Monthly Maintenance Fees No Checks will be distributed on April 15
Interest Rate 0.20%
Annual % Yield 0.20%
Online Banking Yes
Health Savings Account
Deposit to Open + Min Balance $0.00
Monthly Maintenance Fees No
Online Banking Yes
Annual % Yield 0.25% Interest will be paid monthly on balances greater than $500.00
Annual % Yield 0.25%
Online Banking Yes

Everyday Investments

Rate + Fee Summary Information

IRA Accounts
Traditional IRA
The Traditional IRA allows you to contribute up to $5,500.00/year if you have earned income up to $6,500.00/year, if over the age of 50.
Deposits you make may be deductible on your taxes. All earnings on your IRA are tax deferred until you make withdrawals from the account.
This IRA account allows you to rollover a pension plan after retirement or change of job.
Roth IRA
The Roth IRA is a nondeductible, tax free withdrawal account (required five-year holding period before making withdrawals).
All earnings on this account are tax free.
You can contribute up to $5,500.00/year into this account or $6,500.00/year, if over the age of 50.
Simplified Employee Pension Plan (SEP)
The SEP account is for corporation, partnership, or sole proprietorship.
A SEP Plan benefits both the employer sponsoring the plan and the employees who share in the plan’s contributions.
The SEP is tax deductible for the employer.
Coverdale Education (CESA)
A nondeductible, tax free withdrawal, account for a child’s higher education expenses.
All earnings on the CESA are tax free when used for educational expenses.
You can contribute up to $2,000.00/year for your own child, grandchild, niece or nephew – any child under the age of 18.
You do not have to have earned income to contribute.

Business Accounts

Features + Fee Summary Information

The St. Henry Bank wants you to understand the basic terms of your Everyday Business Accounts. Please read all fee information and details concerning your account.

Everyday Business Account
Minimum Deposit to Open $100.00
Monthly Maintenance Fees Yes No monthly fee unless balance falls below $900.00
Average Monthly Balance
$0 – $200.00
$201.00 – $500.00
$501.00 – $700.00
$701.00 – $900.00
Over $900.00
Charge
$5.00
$4.00
$3.00
$2.00
No charge
Interest Bearing Account No Consider our Business Interest Account for interest benefits.
ATM Fees $0.00 ATM fees apply at partnership networks only.
$2.00 per transaction at non-partnership network ATMs.
MASTERMONEY® Debit Card Yes
Bill Pay $4.95 Avoid monthly fee by paying 1 bill a month.
Online Banking Yes E-Statements available with online banking enrollment.
Direct Deposit Yes
Business Interest Account
Minimum Deposit to Open $1,500.00
Monthly Maintenance Fees $6.00 No monthly fee unless balance falls below $1,500.00
Check writing Unlimited
Interest Bearing Account Yes $1,500.00 – $2,999.00: 0.20% APY

$3,000.00 and up: 0.25% APY

ATM Fees $0.00 ATM feed apply at partnership networks only.
$2.00 per transaction at non-partnership network ATMs.
MASTERMONEY® Debit Card Yes
Bill Pay $4.95 Avoid monthly fee by paying 1 bill a month.
Online Banking Yes E-Statements available with online banking enrollment.
Direct Deposit Yes
Regular Savings for Business
Minimum Deposit to Open $50.00
Monthly Maintenance Fees No
Transaction Charge No
Interest Bearing Account Yes 0.25% APY
Online Banking Yes E-Statements available with online banking enrollment.

Everyday Business Savings Accounts

Features + Fee Summary Information

Business Advantage Account
Minimum Deposit to Open $3,000.00
Monthly Maintenance Fees $6.00 No monthly fee unless balance falls below $3,000.00
Pre-Authorized Transfers 6 transfers per statement cycle If you exceed this limit, there will be a service charge of $2.00 per transfer over 6.

 

Visit one of our three locations for cash withdrawals or transfers from this account to another account can be done as many times as you want with no service charge.

Interest Bearing Account Yes $3,000.00 – $9,999.00: 0.30% APY

$10,000.00 and up: 0.35% APY

ATM Fees $0.00 ATM feed apply at partnership networks only.
$2.00 per transaction at non-partnership network ATMs.
MASTERMONEY® Debit Card Yes
Bill Pay $4.95 Avoid monthly fee by paying 1 bill a month.
Online Banking Yes E-Statements available with online banking enrollment.
Direct Deposit Yes
Safe Deposit Box Call for current pricing and availability.

© 2018 The St. Henry Bank. All Rights Reserved.