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Accounts

What account is in your best interest?

When you trust your money to a bank, you want to be sure it's in an account that's right for you. One that gives you the most for what you need. That's exactly why The Haviland State Bank has so many accounts to choose from. From Regular Checking to Money Market to a Key Club Now account, you'll find the one account that has your best interest at heart.


Other Account Fees

The following fees apply to all of your accounts with us except Certificates of Deposit and Time Deposit Accounts:

  • Returned Item fee (including ACH Items): $25.00 per item
  • Account Balancing/Research Time: $25.00 per hr (1 hr minimum)
  • Stop Payment Request: $25.00 per item
  • Overdraft Fees: $20.00 per item

The following fee applies to TIERED RATE MONEY MARKET ACCOUNT; ALLIANCE MONEY MARKET ACCOUNT; MM KEY ACCOUNT; NOW ACCOUNT; SUPER NOW ACCOUNT; REGULAR ACCOUNT; STUDENT/ECONOMY ACCOUNT; and SENIORS ACCOUNT Accounts:

  • Dormant Account Fee: $5.00 per month, no customer generated activity for 12 consecutive months, and balance below minimum to avoid service charge
  • Check Printing: Chard depends upon style and quantity ordered

Miscellaneous Fees and Charges

  • Money Orders: $2.00 personal money order
  • Direct Deposit: $5.00 bank money order; no charge
  • Escrow Fees: $150.00 set-up, $15.00 annual fee, $4.00 monthly fee
  • Fax Service: $1.00 per page, $2.00 minimum
  • Special Statements: $2.00 per statement
  • Non-Customer Check Cashing: $5.00 minimum per check OR 2% of total. $2.00 for each necessary phone call
  • Photocopies: $0.25 per page
  • Outbound Wire Transfer: $20.00
  • Inbound Wire Transfer: $5.00
  • Returned Deposit Items: $5.00 per item
  • Indemnity Bond for Lost COD: $50.00 per certificate
  • Stop Payment Request: $25.00 per item
  • Garnishments: $20.00 each
  • Executions: $20.00 each
  • Levies: $20.00 each
  • Telephone Transfer: $1.00 per transfer
  • Automatic Transfer, Savings to Checking: $1.50 per transfer
  • Automatic Transfer Checking to Savings: $1/50 per transfer
  • Items Sent for Collection: $25.00 per Item
  • Check Printing: Charge depends upon style and quantity ordered
  • Overdraft Fee: $20.00 per item
  • International Wire Transfer: $60.00

Safe Deposit Boxes:

  • 3x5 - $15.00 per year
  • 3x9 - $20.00 per year
  • 5x9 - $25.00 per year
  • 12x12 - $45.00 per year
  • Lost key/Drill Box Lock: $150.00

 

Electronic Funds Transfer Service Limits and Fees

ATM Card Services

This card allows you to withdraw cash and perform certain other services at ATMs displaying Instakey Plus and Honor Logos. If you have this ATM Service, the following limitations and fees will apply to  your Account:

  • You may withdraw up to maximum for $200.00 (if there are sufficient funds in your account) per day.
  • A usage fee may be assessed at ATM Terminals, a $0.10 debit charge will be assessed for each transfer you make using automatic teller machines, telephone bill payment service, or Point-of-Sale Transfers. If account balance falls below established account minimums.
  • There is a replacement card fee of $25.00 per card for lost cards.
  • There is a reissue card fee of $10.00 per card for expired cards.

Government Direct Deposit - 1199A

Electronic Fund Transfer: If you have this EFT Service, the following limitations and fees will apply to your account.

  • We do not charge for any pre-authorized EFTs.
  • We will charge $2500 for each Stop-Payment order for pre-authorized transfers.

Direct Deposit - Non-Government Source

If you have this EFT Service, the following limitations and fees will apply to your account.

  • We do not charge for any pre-authorized EFTs.
  • We will charge $2500 for each Stop-Payment order for pre-authorized transfers.

Pre-Authorized Debit Service

If you have this EFT service, the following limitations and fees will apply to your account.

  • We do not charge for any pre-authorized EFTs.
  • We will charge $2500 for each Stop-Payment order for pre-authorized transfers.

Debit Card Services

Point of Sale purchases without writing a check with ATM convenience. If you have this Point of Sale service, the following limitations and fees will apply to your account.

Purchases up to your account balance are allowed. Daily ATM withdrawals are limited to the lesser of $400.00 or the balance of your account.

A $0.10 debit charge will be assessed for each transfer you make using automatic teller machines, telephone bill payment service, or point of sale transfers if account balance falls below established account minimums. A usage fee may be assessed when the card is used at ATM terminals.

 

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