Morgantown Bank & Trust

Service Fees*

*Fees are subject to change at bank's discretion

Checking Service Charge
CLUB Account
BanClub 50 Gold	$4.00 per month
BanClub Basic Plan	$7.00 per month
BanClub Family Plan	$9.00 per month
NOW Account - Interest Rate Varies
Minimum Balance $1000	NO CHARGE
Minimum Balance up to $1000	$10.00 per month
EASY CHECKING Account Interest Rate Varies
No Minimum Balance	NO SERVICE CHARGE
Commercial/Business Account
Minimum Balance $1000	NO SERVICE CHARGE
Balance Less than $1000	$10.00 per month

Savings Service Charge
Statement Savings Minimum Balance $50 (To Earn Interest)
0-9 withdrawals per quarter	NO CHARGE
More than 9 withdrawals per quarter	$3.00 PER WITHDRAWAL
Christmas Club
Early Closing of Account	$10.00

Certificates of Deposit
Early Withdrawal Penalty
Setup	NO SERVICE FEES
Certificates with a term of more than one year	Forfeit 1 month's interest
Certificates with a term of more than one year	Forfeit 3 months' interest

Money Market Account

Personal Account Minimum Balance $2500	(Interest Rate Varies) NO CHARGE
Business Account Minimum Balance $5000	(Interest Rate Varies) NO CHARGE
Drop below minimum balance	$10.00
Six (6) withdrawals per statement cycle	NO CHARGE
Over six (6) withdrawals per statement cycle	$10.00 per withdrawal

Bookkeeping/Customer Service
Insufficient Funds/NSF Fee - Item Paid
Applies to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means.	$28.00
Insufficient Funds/NSF Fee - Item Returned
Applies to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means.	$28.00
Stop Payment	$28.00
Caution	$28.00
Records Research	$28.00 per hour
Research result copies	$1.00 each
Statement Balance	$28.00 hour
Amortization Schedule	$5.00
Dormant Checking Account
No activity on Checking Account for 1 year and less than $100 balance	$5.00 per month
Dormant Savings Account
No activity on Savings Account for 3 years and less than $100 balance	$5.00 per month
Non-automated balance inquiry (First 3 per statement cycle)	NO CHARGE
Non-automated balance inquiry (Fourth and more per statement cycle)	$1.00 each

Other Services
Lock Bags
First bag	FREE
Additional bags	$15.00 per bag
Lock Bag Lost Key fee	$1.00 per key
Cashiers Checks	$3.00
Gift Card fee	$3.00
ID Reclaim Basic	$1.50 per month
ID Reclaim Plus	$2.50 per month
Carrying fee for all official checks

International Wire Transfers	$39.00
Wire Transfers incoming & outgoing (non-customer)	$20.00
Wire Transfers incoming (MBT customer)	FREE
Wire Transfers outgoing (MBT customer)	$15.00
Attachments, Garnishments and Levies	$75.00
Notary Service (MBT customer)	Free
Notary Service (non-customer)	$5.00
Photocopies	$.25 each
Photocopies (MBT customer over 65) Max. 10	FREE
No charge to MBT customers over 65 and churches for the first ten copies, thereafter .15 each	$.25 per copy
Fax Fee	$2.50
Computer printouts at customer request	$1.00 per page
ACH origination service available	Fee Schedule Upon Request
Checks cashed for non-customers (with the exception of Social Security and SSI)	$10.00 per check
Internet Banking Charges
Internet Banking(must have a checking and/or savings account with the Bank)	Free
Bill Pay	Free
Premierecorp for business customers (Business Internet Banking w/Cash Management)	$19.99 per month

24 Hour Banker
ATM card available with most accounts.
Morgantown Bank & Trust ATM machine	NO SERVICE CHARGE
All Other ATM Transactions	$1.00 each
Visa Check Card (Handy Card) replacement fee	$5.00
Handy Card replacement pin fee	$2.50