Effective 02-01-2025
The following fees may be assessed in connection with your account and/or use of PointBank services:
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ACCOUNT FEES:
24 Hr. X-press Banking Automated Services
No Live Agent, available at 940-686-6060 or 972-434-3293…………………………………………………………………………..FREE
Online Banking Services i
Online Banking Access and E-Statements, available at www.pointbank.com………………………….……..…………..……FREE
Returned Mail Fee………………………………………………………………………………………………………………………………..……….$5.00
Bill Payment Service (optional enrollment)………………………………………………………………………..……..$5.00 per month
PointBank Accountholder
Use of PointBank ATM……………………………………………………………………………………………………………………………..…….……FREE
Use of Non-PointBank ATM ii (per withdrawal, deposit, transfer, payment, and/or balance inquiry)……………………..……..$1.00
Initial Debit Card…………………………………………………………………………………………………………………………………………………………….……….FREE
Replacement Debit Card iii (per card)………………………………………………………………………………………….………………………………….…..$5.00
Account Closing (if closed within 90 days of account opening for any reason)………………..….……………………………….………$20.00
Account Research
Account Activity Printout (only for account activity occurring within most recent 3 years)
First Page, including cover, plus applicable sales tax………………………………………………………………………………………………..……….$3.00
2nd through 10th pages, per page, plus applicable sales tax……………………………………………..………………………………….………….$2.00
Each additional page, plus applicable sales tax………………………………………………………………………………………………….…..….……….$1.00
Account Reconciliation Charge (per hour, 1 hr. minimum)…………………………………………………………………….…….$25.00
Account Research Charge (for account activity older than 3 years, certificates of deposit, subpoenas, and other research requests)(per hour, 1 hr. minimum)…………………………………………………………………………………………………………………………….……..$25.00
Research Item Printouts
First Page, including cover, plus applicable sales tax………………………………………………………………………………………….……………….$3.00
2nd through 10th pages, per page, plus applicable sales tax…………………………………………………………………………………..………….$2.00
Each additional page, plus applicable sales tax……………………………………………………………………………………………………….….………..$1.00
Assisted Telephone Transfers Using Live Agent (per transfer)……………………………………………………………..………$2.00
Cashier’s Check (per check)……………………………………………………………………………………………………………….………………$5.00
Dormant fee (per month)
If, after 6 months of no debits or credits on the account, the average daily balance during that time period is less than $100 (excluding Piggy Pal)……………………………………………………………………………………………………………………………………………………………………………………………..$10.00
Paper Statement Fee……………………………………………………………………………………………………………………………….….…………$2.00
Stop Payments (per check, ACH item, or sequence of checks)………………………………………………………………..………$33.00
NSF/Returned Items for Insufficient Funds (per item, per presentment)……………………………………………..……..….$33.00
Overdraft Item (per item)
Applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means………………..….$33.00
Recurring ACH Fee (Waived for accounts with a monthly service charge)…………………………………………$0.99 per ACH
Draft Collection Items (per item requiring special handling), plus cost…………………………………………………………….$15.00
MISCELLANEOUS SERVICES CHARGES:
Non-PointBank Accountholder Check Cashing ……………………………………………………………………………………………..…..$5.00
Collection Items (Canadian only)……………………………………………….$20.00 plus third part cost incurred by PointBank
Coin Counting Machine……………………10% for Non-PointBank Accountholders, 3% for PointBank Accountholders
Coin Roll (per roll)……………………………………………………………………………………………………………………………………………………..$0.20
Currency Strap (per strap)………………………………………………………………………………………………………………………………………..$0.50
Fax Machine (incoming or outgoing)
First Page, including cover, plus applicable sales tax………………………………………………………………………………………………………………….$5.00
2nd through 10th pages, per page, plus applicable sales tax……………………………………………………………………………………………………..$2.00
Each additional page, plus applicable sales tax……………………………………………………………………………………………………………………………$1.00
Foreign Currency Exchange Collection Item (plus third-party costs)…………………………………………………………..……$20.00
Garnishments/Levies/Subpoena (per request)…………………………………………………………………………………………………..$100.00
Lock Bags (small)……………………………………………………………………………………………………………………………………………………..$12.00
Lock Bags (large)……………………………………………………………………………………………………………………………………………………….$17.00
Lost Coupon Book (per book)…………………………………………………………………………………………………………………………………..$10.00
Medallion Signature Guarantee…………………………………………………………………………………………………………………………………$50.00
Night Depository Key…………………………………………………………………………………………………………………………………………………..$10.00
Photocopies (per page)……………………………………………………………………………………………………………………………………………….$0.20
Sweep Transaction (per transaction)……………………………………………………………………………………………………………………….$10.00
Temporary Checks (per check, minimum of 10)………………………………………………………………………………………………………$0.20
Wire Transfer – Outgoing Domestic (per transfer)…………………………………………………………………………………………………$20.00
Wire Transfers – Outgoing International (per transfer)………………………………………………………………………………………….$55.00
Wire Transfers – Incoming Domestic or International (per transfer)……………………………………………………………………..$7.00
Zipper Bags………………………………………………………………………………………………………………………………………………………………………$4.00
MISCELLANOUS COMMERCIAL SERVICES CHARGES:
Some fees are specific to Commercial Account Services and may require additional agreements. Please refer to our Business Account Document for more information.
Remote Deposit Capture (per month)…………………………………………………………………………………………………………………………….$20.00