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Foresight Bank
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E-Checking Account 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.
Free Electronic Statements: You may receive electronic statements ("eStatements") without any charge.
No Monthly Service Fee: This account does not have any monthly service fee as long as you receiveelectronic statements, but additional services (such as online bill pay) are available and have a monthly fee.
No Minimum Balance Requirements: This account does not have any minimum balance fees or requirements.

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.
Interest: This account does not earn interest.
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 TO YOUR ACCOUNT, AS APPLICABLE
Debit Item Fee: 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. If you have more than 100 debit items in a monthly statement cycle, a fee of $0.20 will be charged for each debit item over 100.
Transit Fee: A "transit" item is a check not drawn on Foresight Bank that is deposited to this account. If you have more than 200 transit items in a monthly statement cycle, a fee of $0.20 per item will be charged for each transit item over 200.
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.
Paper Statement Fee: $5.00 per month if you cancel your enrollment in eStatements or if eStatement e-mail notifications are undeliverable.