Account Fees and Service Charge Schedule

Effective 04-14-2020

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

Bill Payment Service (optional enrollment)

  • If minimum aggregated average daily balance of all PointBank accounts during the statement cycle does not fall below $3,000
    FREE
  • If minimum aggregated average daily balance of all PointBank accounts during the statement cycle falls below $3,000
    $5.00/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
  • Collection Items (per item requiring special handling), plus cost
    $15.00

* Dormant fee (per month)

  • If, after 4 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
  • Deposited Returned or Cashed Item Returned (per item, per presentment)
    $10.00
  • NSF/Returned Items for Insufficient Funds (per item, per presentment)
    $30.00

Overdraft Item (per item)

  • Applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means
    $30.00
  • Stop Payments (per check, ACH item, or sequence of checks)
    $30.00

MISCELLANEOUS SERVICES CHARGES:

  • Non-PointBank Accountholder Check Cashing (with Officer Approval)
    greater of $3.00 or 1% of check
  • 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
    $20.00, plus third-party costs incurred by PointBank
  • 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:

These fees are specific to Commercial Account Services and may require additional agreements.

  • * Money Services Business (per month)
    $350.00
  • * Money Services Business Check Casher Fee (per month)
    $700.00
  • * Remote Deposit Capture (per month)
    $20.00

NOT FDIC-INSURED

  • * Safe Deposit Box 3×5 (annually)
    $35.00
  • * Safe Deposit Box 3×10 (annually)
    $50.00
  • * Safe Deposit Box 5×10 (annually)
    $75.00
  • * Safe Deposit Box 10×10 (annually)
    $175.00
  • * Safe Deposit Box – Drill Box (per box)
    $200.00

* Indicates a new or changed account fee or service charge.
i Excluding Cash/Treasury Management Service Features for Commercial Accounts.
ii This fee is in addition to any fees charged by the ATM operator or any network used.
iii PointBank will not charge a Replacement Debit Card Fee if a new device is issued due to the expiration of the initial device, if the device is damaged, or if the device or access code has been stolen or fraudulently obtained

Rev. 04/20