Personal BoD Conversion Book and Disclosure Packet

Consumer Service Fee Schedule Effective January 2, 2024

Product/Service

Fee

Product/Service

Fee

IRA Withdrawals by check (1/year at no cost) Excess Contribution Maintenance Transaction Adjustment External Transfer Fee

Account Balancing Assistance ($25.00 minimum)

$25.00/hour*

$5.00 $25.00 $25.00 $25.00

Account Closing Negative Balance Closing Fee Initiated by Customer, within 90 days of opening Bill Pay Consumer Bill Pay Service Account to Account (A2A) Transfer Service

$25.00* $25.00*

Notary Service/Signature Guarantee (as available)

No Fee

No Fee $2.00/outbound transaction* $9.95* $14.95*

Overdraft Fee Per itemcreated by check, in-personwithdrawal, ATMwithdrawal, returned deposit items, or other electronicmeans; includes savings accounts. Maximumof $140.00 per day. An itemor transaction that is returned and later represented to us may result in you incurring additional fees, such as multiple nonsufficient funds (NSF) fees each time that itemor transaction is presented. There will be no overdrafts charged on the following: daily account balances overdrawn by $5.00 or less; or transactions in the amount of $5.00 or less. Overdraft Fee Nonsufficient Funds (NSF) Fee $35.00/item $35.00/item

Same-Day Bill Payment Fee Overnight Check Fee

Checks Copy of Check

$1.00*

Check Cashing Checks payable to non-customers drawn on a customer’s business account Checks less than $500.00 Checks $500 or more

$3.00 $5.00

Photocopy, Printout, Fax Copy

$0.50/page*

Collection Items Incoming Domestic International - Provisional International - Final

$30.00/item* $10.00/item* $50.00 + Cost/item*

Research ($25.00 minimum)

$25.00/hour*

Returned Deposit Items International Collection Return Safe Deposit Box 30 Days Past Due Replacement Key Fee Drilling and New Lock/Key Fee Statements Electronic Statement Paper Stmt (Non-image or image) Mail International Statement Statement Copy Special Cutoff Request

Debit Cards & ATM Cards Standard Debit Card - initial setup One Card Initial Setup Fee Rush Order (Standard Card Only) Non-MidWest One ATM Usage Empty ATM Deposit Envelope Currency Conversion Fee Cross Border Fee

$25.00/item*

No Fee $10.00* $50.00* $2.00 $30.00

Varies by location $15.00 $25.00 $250.00 No Fee $3.00/statement* $5.00/statement* $5.00/statement* $5.00/occurrence*

1.00% of transaction 1.00% of transaction

$50.00

Escheatment (Iowa Only)

$20.00 + exchange rate

Foreign Currency Exchange

Stop Payment

$35.00/item*

$100.00

Garnishment/Levy

Teller’s Check (available to customers)

$5.00*

Health Savings Account (HSA) HSA Debit Card - initial setup Excess Contribution Maintenance/Transaction Adjustment External Transfer Fee

No Fee $25.00*

Unknown Address

$5.00/month*

Wire Transfer Domestic (incoming) International (incoming) Domestic (outgoing) International (outgoing)

$25.00*

$10.00* $15.00* $30.00* $50.00*

* Iowa state sales tax applies on accounts maintained at Iowa bank locations

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