Community Appreciation

Disclosure of Service Charges

Effective Date: February 1, 2017

Checking

BASIC BANKING ACCOUNT  

• Monthly Maintenance Charge $3.00

Fee waived with a monthly direct deposit of at least $300, a combined deposit relationship of $2,500 (based on your balance at the end of your statement cycle), or enrolling in and maintaining electronic statements.

CHECKING WITH INTEREST ACCOUNT

• Monthly Maintenance Charge $10.00

Fee waived with a combined deposit relationship of $5,000 (based on a combined balance of accounts any day of the cycle)

IRA/Keogh/SEP

• Transfer of Trustee Collections $25.00

• Keogh New Account Set-up  $100.00

• Keogh Annual Plan Maintenance  $25.00

• SEP New Account Set-up  $10.00

Money Market

DebitCard Transactions, Transfers, or Checks Drawn (Limit 6 per monthly cycle)

MONEY MARKET ACCOUNT

• Monthly Maintenance Charge $5.00

Fee waived if a daily minimum account balance of $5,000 is maintained. 

• Excess transactions (each) $10.00

POWER FLEX MONEY MARKET ACCOUNT

• Monthly Maintenance Charge $15.00

Fee waived if a daily minimum account balance of $1,000 is maintained.

• Excess transactions (each) $10.00

Savings

• Monthly Maintenance Charge $2.00

Fee waived if the account average daily balance (calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period) is $100 or more.

There are no monthly maintenance fees associated with the following accounts: Smart Move Online Savings, Holiday Club, Vacation Club, School Passbook and Kids Club Accounts

STATEMENT SAVINGS

DebitCard Transactions or Transfers (Limit 6 per monthly cycle)

• Excess transactions (each)  $10.00

PASSBOOK SAVINGS

• Lost Passbook $10.00

Abandoned Property

Costs for public notice and certified mail as required by law will be passed on to each applicable account.

• Special handling charge (per account) $15.00

• Reclamation (per account) $20.00

Debit MasterCard/ATM

• Non-Ridgewood ATM Use $1.50

• Lost Card Replacement $10.00

• PIN Replacement  $5.00

• Special Expedited Handling  $50.00

Legal Process Compliance

(Levies, Subpoenas, Restraining Notices, etc.)

• Per Hour  $100.00

• Plus photocopy charge (per item)  $5.00

Overdraft

• Insufficient funds (per item)  $30.00

• Uncollected funds (per item)  $30.00

• Overdraft Privilege (per item paid)  $30.00

• Overdraft Privilege Plus (per item paid)  $30.00

• Overdraft Protection Transfer (per item)  $10.00

Safe Deposit

• Box Break Open  $150.00

• Lost Key  $25.00

• Late Payment (30 days past due)  $10.00

Rental fees vary by box size. Consult your local branch for details.

Other

• Checkbook order or personalized deposit slips - price varies according to style, plus Secure Shipping and tax.

• Consular Letters $25.00

• Interim Statement  $5.00

• Notary Services, depositors (per item) FREE

• Notary Services, non-depositors (per item)  $2.00

• Photocopy  $5.00

• Returned Check Fee (per item) (deposited in account or cashed) $10.00

• Returned Mail, processing fee (per month/per account)  $5.00

• Signature Guarantee, Investment Securities (per item)  $10.00

• Stop Payment (per item)  $25.00

• Transcript of account, per hour (one hour minimum)  $25.00

• Travelers Cheques, per $100.00   $1.00

• Reconciliation of Account (no Bank Error) Including interim statement (per hour, one hour min.)  $25.00

EXTERNAL FUNDS TRANSFER

• Standard Incoming  FREE

• Standard Outgoing  $2.50

• Express Outgoing  $6.95

• Person-to-Person Transfers  $1.00

MONEY ORDERS (EACH)

• Depositors  $3.00

• Non-Depositors  $10.00

WIRE TRANSFERS (DEPOSITORS ONLY)

• Outgoing (domestic)  $25.00

• Incoming $10.00