Palmyra State Bank ~ Whitewater, Wisconsin

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Electronic Services

eStatements
FDIC-Electronic Deposit Insurance Estimator (EDIE)

Customer Alerts

Click here for information regarding changes to Temporary FDIC Insurance Coverage.

Credit Cards

Lost or Stolen Cards

Additional Transactional Account Charges back

Stop Payment

Non-Sufficient Funds (Per Item)

Overdrafts (Per Item)

Accounts overdrawn over 3 consecutive days will be charged $2 per day for each additional day overdrawn.

Statement Copies (Per Copy)

Check Copies (Per Copy)

Safekeeping Check Copies (Per Copy)

Bookkeeping Research (Per Hour)

Wire Transfer, Incoming

Wire Transfer, Outgoing

Wire Transfer, International

Item Returned Unpaid to Bank

Cashiers Check

Personal Money Order

PULSE Card & Checkcard

Replacement PULSE Card & Checkcard

$20.00

$25.00

$2.00

$5.00

$25.00

$10.00

$20.00

$45.00

$5.00

$3.00

$2.50

$7.00

Collections Under $50 (Incoming & Outgoing)

Collections Over $50 (Incoming & Outgoing)

Check Certification

Handling Each Legal Process Affecting the Account:

Attachment

Garnishment

Levy, Etc.

Special Cut-Off of Statement

Telephone Transfer

Reconciling of Bank Statement:

First Time (In 3 Month Period)

Any Additional (Per Hour)

Coupon Redemption (Per Envelope)

Bond of Indemnity

ATM Usage Fees:

Palmyra State Bank ATM

PULSE Network ATM

Outside PULSE Network

$7.50

$15.00

$25.00

$2.00

N/C

$15.00

$1.00

$5.00

N/C

$1.00

$2.00

Disclosures that apply to all Savings Plans: back

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
We use the daily balance method to calculate the interest on your account, based on the collected balance.
Interest will be compounded and credited to your account.

Disclosures that apply to all Certificates of Deposit:

Interest begins to accrue no later than the business day we receive your deposit.
We use the daily balance method to calculate the interest on your certificate of deposit. This method applies a daily periodic rate to the principal on the certificate of deposit each day.
If interest compounding occurs during the term of the certificate of deposit, the annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
If you close your account before interest is credited, you will receive the accrued interest, less early withdrawal penalties.
For certificates of deposit that will automatically renew at maturity, you will have 10 calendar days after the maturity date to withdraw funds without penalty.
No deposits or withdrawals from this account until maturity.

Early Withdrawal Penalty:

The following penalty may be charged to your certificate of deposit if you withdraw any principal before the maturity date:
- For deposits with original maturities of less than one month, the penalty will be forfeiture of simple interest that could have been earned on the amount withdrawn had the funds remained on deposit until maturity.
- For deposits with original maturities of 31 days but less than one year, the penalty will be the forfeiture of the 30 days simple interest on the amount withdrawn.
- For deposits with original maturities of one year but less than two years, the penalty will be the forfeiture of 90 days simple interest on the amount withdrawn.
- For deposits with original maturities of two years or more, the penalty will be the forfeiture of 180 days simple interest on the amount withdrawn.
If sufficient interest has not accrued at the time of withdrawal, principal will be reduced to the extent necessary to meet the required penalty.
The amount of the penalty will be calculated using the interest rate in effect on your account at the time of withdrawal.
Early withdrawals made because of the death or the judicially declared incompetence of a depositor will not be penalized.
Early withdrawal penalties may not always apply to IRA and Keogh accounts. See your IRA or Keogh account literature for details.

Eligibility Requirement: Customer must not have an unfavorable record with ChexSystems, Inc.

Additional Transactional Account Charges May Apply, Click Here For Details. Additional Savings Account & Certificates of Deposit Disclosures are available here.