Ulster Savings Bank Schedule of Other Fees and Service Charges

Effective as of 4/25/2017

Account-based Maintenance and Service Fees

Your account at Ulster Savings Bank may be subject to monthly maintenance fees and charges for specific features and services, under the terms and conditions of your specific account disclosed to you under separate cover.

Fees and Service Charges applicable to Commercial Checking accounts are disclosed under a separate schedule.

Service Charges

In addition to the account-based maintenance and service charges that may apply to your account, the following are the fees and charges for other services available at Ulster Savings Bank:

Account Statement Copy (per statement) $3.00
Bank Checks (issued for depositors only) $8.00
Certificate of Protest $30.00
Check Printing Fees Varies
Collection of Foreign Checks (per check) $25.00*
Counter Check (per check) $1.00
Early Closure of Account (within 5 months of opening) $25.00
Excessive Transaction Fee
Applies to each transaction after the 6th preauthorized transfer per statement cycle for Savings and Money Market Accounts
$10.00
Returned or Paid Checks (Insufficient Funds/Uncollected Funds includes Electronic Funds Transfer Debits) $30.00
Continuous Overdraft/Negative Balance Fee (daily beginning on the 6th calendar day) $5.00
Savings/Money Market Overdraft Transfer Fee to Checking $10.00
Incoming Wires $10.00
Interim Account Statement (terminal copy) $5.00
Legal Process (Liens, levies, restraining orders, etc,) Per Action $100.00
Money Service Business (monthly fee per account) $950.00
Online Banking FREE
Online Bill Payment FREE
Outgoing Wires or Cables (Domestic – per item) $30.00*
Outgoing Wires or Cables (International – per item) $100.00*
Passbook Replacement $10.00
Photocopies (per item, check or page) $1.00
   
PopMoney Expedited Transfer ($10 -$2,000 only) $4.99
Research/Reconciliation of Account (per hour) $30.00
Special Statement Handling (per month) $5.00
Stop Payment (all stop payments) $30.00
Stop Payments (Bank Checks) $30.00
Telephone Banking FREE
The cost of certified mail, return receipt requested and publishing any notice that money in the account is to be turned over to New York State as Abandoned Property Varies
Uncollected Deposited Items (checks negotiated through us, drawn on other banks and returned unpaid) $10.00
MasterCard Check Card/ATM Card Replacement $10.00

Withdrawals made using your Ulster Savings Bank Debit MasterCard or your Ulster Savings Bank ATM Card at non-Ulster Savings Bank ATM facilities will be processed at a fee of $1.50 per transaction, in addition to any fee the facility owner may assess.

Consumer and Residential Mortgage Loan Servicing Fee Schedule

Note: If any documents require recording, appropriate recording fees will apply.

Appraisal Fees (varies by property) $350.00 - $1200.00
Returned/Dishonored Check Fee $20.00**
Returned/Denied ACH Payment Fee $20.00**
Partial Release of Mortgaged Premises $350.00
Partial Release of Mortgaged Premises and Spreader Agreement $500.00 - $1000.00
Release of Borrower Fee $575.00
Mortgage Subordination Fee $350.00
Assignment of Mortgage to Non-Investor Bank/Third Party $1500.00
Real Property Tax Service Fee (New York and New Jersey Properties) $76.00
Real Property Tax Service Fee (Connecticut Properties) $82.00

*Exclusive of any fees or service charges assessed by intermediaries.

**The bank which returned the dishonored check or returned/ denied the ACH payment may charge additional fees pursuant to your account agreement with said bank.

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