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Foresight Bank
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Advance Checking Disclosure

ACCOUNT FEATURES
Online Banking: You may enroll in Foresight Bank's online banking application ("iBanking") by clicking here. There is no fee to enroll in or to use iBanking.
Electronic Statements: You may receive electronic statements ("eStatements") without any charge.
No Minimum Balance Requirements: This account does not have any minimum balance fees or requirements.
 
SERVICE CHARGE
Maintenance Fee: $5.00 per monthly statement cycle. This maintenance fee is waived if you receive electronic statements ("eStatements").
Debit Item Charge: $0.10 per debit item. A "debit item" is a check paid, in-person withdrawal, ATM withdrawal, automatic transfer, or any other payment out of this account. A "debit item" does not include an iBanking transfer, ACH payment, or debit card transaction. For purposes of this disclosure, the sum of the maintenance fee plus the debit item fee is referred to as the "service charge."
 
COLLECTED BALANCE CREDIT
Credit for Average Collected Balance: You will receive a credit of $0.10 per $100.00 of average collected balance in your account during each monthly statement cycle. This credit for average collected balance may not exceed the service charge during the same monthly statement cycle. The average collected balance is calculated by adding the collected balance for each day in the period and dividing that figure by the number of days in the period. The collected balance is calculated by subtracting uncollected checks from the ledger balance. An "uncollected check" is a check drawn on another bank for which Foresight Bank has not received final credit. The ledger balance equals all credits minus all debits that have posted to your account.
Sample Service Charge Calculation:
     Maintenance Fee                                                          $5.00
     Debit Item Fee Assumes 30 Checks                     +$3.00          Assumes 30 checks
     Average Collected Balance Credit                      +$8.00          Assumes $8,000.00 Average Collected Balance
     Net Service Charge                                                    =$0.00         

TERMS AND CONDITIONS
Initial Deposit: You must deposit at least $10.00 to open this account. This account does not have a minimum balance fee.
Ready Reserve Line of Credit: If you have a Ready Reserve line of credit, available credit will not be included in your available balance disclosed at the ATM. If you access your line of credit when making a purchase or ATM withdrawal, you will be subject to the terms and conditions (including fees and interest) noted in your Ready Reserve agreement.
Modification: Foresight Bank may make changes to the account terms and conditions (including fees) after providing 30 days' advance notice to you. The interest rate and annual percentage yield may change without any advance notice.
Other Terms and Conditions: Please see the Deposit Account Agreement for other important terms and conditions that apply to this account.
 
FEES THAT MAY BE ASSESSED AGAINST YOUR ACCOUNT, AS APPLICABLE
ATM Transactions: $1.00 ATM Fee per withdrawal at machines outside of the PULSE network. When you use an ATM not in the MoneyPass or PULSE networks, the ATM operator or network may charge you a fee for a withdrawal or a balance inquiry even if you do not complete a fund transfer.
International Transaction Fee: A fee of up to 1% of the transaction amount applies to debit card and ATM transactions with a merchant or ATM in a foreign country. The fee may show up as "C/B Fee", "C/C Fee", or both on your statement.
Overdraft Fee: $25.00 per paid non-sufficient-funds item (daily maximum of $50.00) for items created by check, in-person withdrawal, or electronic means (excluding debit card transactions).
Return Item Fee: $25.00 per returned non-sufficient-funds item (daily maximum of $50.00) for items created by check, in-person withdrawal, or electronic means.
Continuous Overdraft Fee: $20.00 per business day, beginning on the sixth business day and every business day thereafter you are overdrawn. This fee is in addition to any "per-item" fees.
Stop Payment Requests: $15.00 per request.
Dormant Account: $3.00 per month if your account does not have any activity in the previous 12 months and the account balance is less than $100.00.
Sweep Account Option: $10.00 one-time set-up charge.
Account Balancing Assistance: $20.00 per hour.
Check Printing: Fee depends upon style and quantity ordered.
Cash Management: $25.00 per month for cash management capabilities including online ACH and wire origination.
Online Bill Pay: $3.00 per month plus $0.40 per transaction.