Good news! Effective October 31, 2022, we have eliminated multiple service fees related to non-sufficient funds for personal and business accounts:
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The fee on returned items (non-sufficient funds or "NSF" fee), previously applied when a check or other payment was presented against an account with insufficient available funds and the payment was returned unpaid
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The Linked Deposit Transfer Fee, previously applied when funds were automatically transferred from an account to cover a payment
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The Automatic Cash Reserve Transfer Fee, previously applied when funds were automatically transferred from an Automatic Cash Reserve line of credit to cover a payment