Deposit Account Agreement

Deposit Account Agreement2018-10-30T13:11:18+00:00

General Agreement.  The terms “you” and “your” refer to the depositor (whether joint or individual) and the terms “we,” “us” and “our” refer to the financial institution.  You understand the following Account Agreement (“Agreement”) governs your account with us.  Your account is also governed by other applicable documents, such as the Truth in Savings Account Disclosure, and Privacy Policy, and where applicable, the Funds Availability Policy, and Electronic Fund Transfer (Agreement and) Disclosure (“Disclosures”), which are incorporated by reference.

General Rules.  The following rules apply to all types of accounts:

  1. Deposits. Deposits may be made in person or by mail.  We are not responsible for a mailed transaction until we actually receive and record them.  We may, at our sole discretion, refuse to accept particular instruments as deposits.  Cash deposits are credited to your account according to this Agreement.  Other items you deposit are handled by us according to our usual collection practices.  If an item you deposit is returned unpaid, we will debit your account and adjust any interest earned.  You are liable to us for the amount of any check you deposit to your account that is returned unpaid.  In addition, you are liable to us for all costs and expenses related to the collection of any or that entire amount from you.  Funds deposited to your account are available in accordance with the Disclosures.
  2. Collection of Deposited Items. In receiving items for deposit or collection, we act only as your agent and assume no responsibility beyond the exercise of ordinary care.  All items are credited subject to final settlement in cash or credits.  We shall have the right to forward items to correspondents including all Federal Reserve Banks, and we shall not be liable for default or neglect of said correspondents for loss in transit, nor shall any correspondent be liable except for its own negligence.  You specifically authorize us or our correspondents to utilize Federal Reserve Banks to handle such items in accordance with provisions of Regulation J ( 12 CFR Part 210), as revised or amended from time to time by the Federal Reserve Board.  In the event we are subject to local clearinghouse rules, you specifically authorize us to handle such items in accordance with the rules and regulations of the clearinghouse.  If we permit you to withdraw funds from your account before final settlement has been made for any deposited item, and final settlement is not made, we have the right to charge your account or obtain a refund from you.  In addition, we may charge back any deposited item at any time before final settlement for whatever reason.  We shall not be liable for any damages resulting from the exercise of these rights.  Except as may be attributable to our lack of good faith or failure to exercise ordinary care, we will not be liable for dishonor resulting from any reversal of credit, return of deposited items or for any damages resulting from any of those actions.
  3. Set-offs and Liens. We may set-off funds in your account and any other accounts held by you, jointly or individually, to pay any debt you may owe us; this includes any item(s) that we have cashed for you that are returned to us unpaid.  If the account is a joint account, we may offset funds for the debt of any one of the owners.   In addition, you grant to us a security interest in your deposit accounts to secure any debt you may owe us in any non-consumer transaction.
  4. Claims. In response to any garnishment, attachment, restraining order, injunction, levy, citation to discover assets, judgment, reclamation, or other order of court or other legal process (“Claim(s)”), we have the right to place a hold on, remove from your account(s) and/or remit to the designated third-party(ies) any amount on deposit in your account as set forth in and required by such Claim(s).  If the account(s) is/are held jointly, we may place the hold, remove from the account(s) and/or remit the amounts from the account(s) arising from any Claim(s) relating to any one or more of the account holders.  In addition, we may charge against your account(s) any fee authorized by law in connection with the Claim(s) or as otherwise set forth in the Disclosures.
  5. Expenses. You agree to be liable to us for any loss, costs or expenses that we incur as a result of any dispute involving your account, including reasonable attorneys’ fees to the extent permitted by law, and you authorize us to deduct such loss, costs or expenses from your account without prior notice to you.
  6. Dormant Accounts. You understand that if your account is dormant, you may be charged the fee specified in the Disclosures and we may stop paying interest to the extent permitted by law.  You understand that your account balance may be escheated (that is, turned over to the state) in accordance with state law.
  7. Joint Account. If this account is noted as a joint account, ownership of this account cannot be changed by will.  Each party to this account has a present right to payment form this account.  Each party owns his/her net contribution to the account.  In the absence of proof of new contribution, and unless the parties have specifically otherwise agreed, each party will own an equal share of this account.  We may make payment from this account, including payment of the entire account balance, (i) pursuant to any statutory or common law right of set off, levy, attachment or other valid legal process or court order, relating to the interest of any one or more of the parties; and (ii) on request to a trustee in bankruptcy, receiver in any state or Federal insolvency proceeding, or other duly authorized insolvency representative of any one or more of the parties.  We are not required to determine net contributions.   Upon the death of a party to this account: (a) Where this is only one surviving party, the entire account will belong to the survivor; (b) Where there are two or more surviving parties each party will continue to own his/her proportionate share.  The portion of the account owned by the deceased party will be shared equally by the survivors.   Any person named on the account is liable for the amount of any overdraft regardless of whether he or she signed the item or benefited from the proceeds of the item.  Upon receiving written notice from any person named on the account, we may freeze the account.  The account may be frozen until we receive written notice, signed by all parties named in the account, as to the disposition of funds.
  8. In Trust for or Payable on Death Account. If this account is noted as an In Trust For or Payable on Death account, the trustee(s) may change the named beneficiary(ies) at any time by a written direction to us. The trustee(s) reserves the right to withdraw all or part of the deposit at any time. Such payment or withdrawal shall constitute a revocation of the trust agreement as to the amount withdrawn. The beneficiary(ies) acquires the right to withdraw only if: (i) all of the trustees die, and (ii) the beneficiary is then living. The beneficiary(ies) is only entitled to the amount that is in the trust after all of the trustee’s(s’) outstanding checks and debits have been paid. If all of the beneficiaries predecease the trustee(s), the named beneficiary’s(ies’) death shall terminate the trust and title to the money that is credited to the trust shall vest in the trustee(s).  If two or more beneficiaries are named and survive the death of all of the trustees, such beneficiaries will own this account in equal shares without right of survivorship, unless otherwise indicated. If the primary beneficiary predeceases the owner(s), when two or more contingent beneficiaries are named and survive the death of the owner(s), such beneficiaries will own this account in equal shares without the right of survivorship, unless otherwise indicated. Named beneficiaries are assumed to be primary unless indicated as contingent.
  9. Custodial Accounts. A custodial account is subject to applicable law as adopted by the state in which the account is opened. The documents that authorize the custodianship may be required for the account. An account opened under the Uniform Transfers/Gifts to Minors Act must be opened in the name of a custodian “as custodian for (name of minor) under the Uniform Transfer to Minors Act”. There may be only one custodian and one minor as beneficiary for each minor account.
  10. Change in Form of Account. If this is a multiple-party account, you may only change the form of this account by a written notice or order given to us by a person named on the account which orders us to change the form of the account or to stop or vary payment under the terms of the account.  The order or request must be signed by a person named on the account, received by us during that person’s lifetime, and not countermanded by other written order of the same person during his or her lifetime.  We may require that the person giving the notice provide us with a current address for every other party affected by the notice.
  11. Power of Attorney. If you wish to name another person to act as your attorney in fact or agent in connection with your account, we must approve the form of appointment.
  12. Fees, Service Charges and Balance Requirements. You agree you are responsible for any fees, charges, balance, or deposit requirements as stated in the Disclosures.
  13. Non-Sufficient-Uncollected Funds. If your account lacks sufficient available funds to pay a check, preauthorized transfer, or other debit activity presented for payment, we may return such item for non-sufficient-uncollected funds and may charge you a fee as provided in the Disclosures.  Regardless, our handling of the item may subject your account to a fee.  We will process checks and other debit items in the order identified in your Truth in Savings disclosure.
  14. Amendments and Alterations. You agree that the terms and conditions governing your account may be amended by us from time to time.  We will notify you of amendments as required by applicable law.  Your continued use of the account evidences your agreement to any amendments.  Notices will be sent to the most recent address shown on the account records.  Only one notice will be given in the case of joint account holders.
  15. Notices. You are responsible for notifying us of any address or name changes, the death of an account holder or other information affecting your account.  Notices must be in a form and manner acceptable to us with enough information to allow us to identify the account.  Notice sent by you to us is not effective until we have received it and have a reasonable opportunity to act on it.  Written notice sent by us to you is effective when mailed to the last address supplied.
  16. Telephone and Electronic Communication. You agree that we may call or send text messages to you at the telephone numbers that you provide to us, including a cell phone number, which may result in charges to you, for informational purposes regarding your account(s) with us. These calls and text messages may be made from an automatic telephone dialing system (i.e., an auto dialer) or from an artificial or prerecorded voice message system. Additionally, you agree that we may send electronic communication to you at the email addresses you provide to us. You may contact us at any time if you no longer want to receive these communications from us.
  17. Closing Account. We may close the account at any time, with or without cause, by sending you notice and a check for the balance in our possession to which you are entitled. At our discretion, we have the authority to pay an otherwise properly payable check, which is presented after the closing of your account.
  18. Transfers and Assignments. You cannot assign or transfer any interest in your account unless we agree in writing.
  19. Applicable Laws and Regulations. You understand that this Agreement is governed by the laws of the state in which the account is opened unless federal law controls. Changes in these laws may change the terms and conditions of your account.  We will notify you of any changes as required by law.
  20. ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code – Funds Transfers as adopted by the state in which the account is opened.  If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used.  Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service.  When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment.  We may rely on the number even if it identifies a financial institution, person or account other than the one named.  If you are a party to an Automated Clearing House (“ACH”) entry, you agree to be bound by the rules and regulations of the National Automated Clearing House Association (“NACHA”) Operating Rules, the Rules of any local ACH, and the Rules of any other system through which the entry is made.
  • Provisional Payment.  Credit we give you is provisional until we receive final settlement for that entry.  If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry.
  • Notice of Receipt.  We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order.  However, we will continue to notify you of the receipt of payment sin the periodic statements we provide to you.
  • Choice of Law.  We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are located.
  1. International ACH Transactions. If your transaction originates from a financial agency that is outside of the territorial jurisdiction of the United State, it may be subject to additional review for compliance with the rules of the Office of Foreign Assets Control (OFAC).  If additional review is required, the International ACH transaction will not be available to you until it passes final verification.
  2. Payment of Interest. If this is an interest bearing account, the interest is calculated and paid in accordance with the Disclosures.
  3. Stop Payments. If you request us to stop payment on a check you have written or on a preauthorized transfer, you will give written or other confirmation as allowed by us within 14 days of making the requires.  If you fail to confirm an oral stop payment request within the 14 days, we reserve the right to cancel the request.  Requests to stop all future payments on a preauthorized transfer may require additional documentation to be supplied to us.  Your stop payment request must describe the item or account with reasonable certainty and we must receive the request in a time and way that gives us a reasonable opportunity to act on it.  A stop payment on a check you have written will remain in effect for 6 months or until we receive written revocation of the stop payment, whichever occurs first.  A stop payment on a preauthorized transfer will remain in effect until we receive a withdrawal of the stop payment request or the return of the debit entry (ies), whichever occurs first.  You may be charged a fee every time you require a stop payment, even if it is a continuation of a previous stop payment request.  You understand that we may accept the stop payment request from any of the joint owners of the account regardless of who signed the check or authorized the transfer.  Our acceptance of a stop payment request does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request.  Written communication includes communication by electronic record.
  4. Checks. All negotiable paper (“checks”) presented for deposit must be in a format that can be processed and we may refuse to accept any check that does not meet this requirement.  All endorsements on the reverse side of any check deposited into your account, or on any check issued by you, must be placed on the left side of the check when looking at it from the front, and must be placed so as to not go beyond an area located 1-1/2 inches from the left edge of the check when looking at it from the front.  It is your responsibility to ensure that this requirement is met.  You are responsible for any loss incurred by us for failure of an endorsement to meet this requirement.
  5. Electronic Checks. Pursuant to Regulation CC, electronic checks may be treated the same as paper checks for check collection and processing purposes.
  6. Substitute Checks. To make check processing faster, federal law permits financial institutions to replace original checks with “substitute checks.”  These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check.  The front of a substitute check states: “This is a legal copy of your check.  You can use it the same way you would use the original check.”  You may use a substitute check as proof of payment just like the original check.  Some of all of the checks that you receive back from us may be substitute check(s).
  7. Stale or Postdated Checks. We reserve the right to pay or dishonor a check more than 6 months old without prior notice to you.  If you can write checks on your account, you agree not to postdate any check drawn on the account.  If you do and the check is presented for payment before the date of the check, we may pay it or return it unpaid.  We are not liable for paying any stale or postdated check.  Any damages you incur that we may be liable for are limited to actual damages not to exceed the amount of the check.
  8. Check Safekeeping. If you can write checks on your account and utilize check safekeeping or any other system offered by us for the retention of your checks, you understand that the canceled checks will be retained by us and destroyed after a reasonable time period or as required by law.  If for any reason we cannot provide you with a copy of a check, our liability will be limited to the lesser of the face amount of the check or the actual damages sustained by you.  When you request a copy of a check it may be subject to a fee as defined in the Disclosures.
  9. Statements. If your account is a Checking, Money Market, Statement Savings or Passbook account, we will provide you with a periodic statement showing the account activity.  The account holder who receives this statement is the agent for his/her co-account holders for purposes of receiving the statement and items.  You must notify us within 30 days after we mail or otherwise make the statement available to you of any discrepancies.  If you fail to notify us, you will have no claim against us.  However, if the discrepancy is the result of an electronic fund transfer, the provisions of our Disclosures will control its resolution.  If you do not receive a statement from us because you have failed to claim it, or have supplied us with an incorrect address, we may stop sending your statements until you specifically make written request that we resume sending your statements and you supply us with a proper address.
  10. Signatures. Your signature on the Account Information form is your authorized signature.  You authorize us, at any time, to charge you for all checks, drafts, or other orders for the payment of money that are drawn on us regardless of by whom or by what means (including facsimile signature(s)) may have been affixed so long as they resemble the signature specimen in our files.  For withdrawal and for other purposes relating to any account you have with us, we are authorized to recognize your signature; and we will not be liable to you for refusing to honor signed instruments or instructions if we believe in good faith that one or more of the signatures appearing on the instrument or instruction is not genuine.  If your items are signed using any facsimile signature or non-manual form of signature, you acknowledge that it is solely for your benefit and convenience.  You agree that no facsimile signature you have authorized us to honor may be considered a forgery or an unauthorized signature, and that every authorized facsimile signature shall be effective as the signatory’s own original, manual signature.  You accept sole responsibility for maintaining security over any device affixing the signature as such signature will be effective regardless of whether the person affixing it was authorized to do so.  Your authorization notwithstanding, we are not obligated to accept or pay any items bearing facsimile signatures.   Further, most checks and other items are processed automatically, i.e., without individual review of each check or item.  Therefore, unless we agree in a separate writing, in our sole discretion, upon your request and due to unique circumstances to conduct individual review of checks or other items, you agree that we are acting within common and reasonable banking practices by automatically processing checks and other items, i.e., without individual review of each check or item.  You agree to indemnify, defend and hold us harmless from and against all loss, costs, damage, liability, and other injury (including reasonable attorney fees) that you or we may suffer or incur as a result of this practice.
  11. Restrictive Legends. We are not required to honor any restrictive legend on checks you write unless we have agreed to the restriction in a writing signed by an officer of the financial institution.  Examples of restrictive legends are “two signatures required”, “must be presented within 90 days” or “not valid for more than $1,000.00.”
  12. No Waiver. You understand and agree that no delay or failure on our part to exercise any right, remedy, power or privilege available to us under this Agreement shall effect or preclude our future exercise of that right, remedy, power or privilege.

CHECKING ACCOUNTS

If your account is a checking account, it will be either non-interest bearing or interest bearing as defined in the Truth in Savings Disclosure.

In addition to the General Rules, your Checking Account will be subject to the following rules:

  1. Deposits will be available for withdrawal consistent with the terms of our Disclosures.  Withdrawals may be subject to a service charge.
  2. New Jersey Consumer Checking Account. The New Jersey Consumer Checking Act was established into law in 1991 and requires all state and federally chartered banks, saving banks, savings & loan associations and credit unions to offer a New Jersey Consumer Checking Account (NJCC). The purpose of this act was to make available a low-cost, low volume checking account for New Jersey residents.  The Bank’s Free Checking account product meets the requirements for the New Jersey Consumer Account (NJCC).

If your account is a New Jersey Consumer Checking Account, it is subject to the fees and charges specified in the Account Disclosure provided for this account.  We may refuse to open a New Jersey Consumer Checking Account for you or close your account for any of the following reasons: (a) fraudulent activity or overdrafts, or to protect our customers or employees from physical harm, using the same standards as are used for holders of regular checking accounts; (b) you have a regular checking account or another New Jersey Consumer Checking Account with us or with another depository institution; (c) you make an intentional material misrepresentation to us in connection with the account; or (d) any other reason consistent with the provisions under N.J.S.A. §17:16N-1 et seq. and any accompanying regulations.

MONEY MARKET AND STATEMENT SAVINGS ACCOUNTS

In addition to the General Rules, your Money Market Account will be subject to the following rules:

  1. We have the right to require seven (7) days prior written notice from you of your intent to withdraw any funds from your account.  Withdrawals may be subject to a service charge.
  2. Regulation D Transaction Limitations. Federal regulation restricts the number of transfers or withdrawals you can make on a Money Market Account and Savings Account and requires compliance with these restrictions. You understand that we will not allow more transfers or withdrawals than the maximum number specified in the Disclosures. Certain transfers or withdrawals will count toward the transaction limitations.

Transfers or Withdrawals Subject to Transaction Limitations. This transaction limitation includes transfers or withdrawals made to a third party if made by: phone, fax, computer, check, debit card, ACH, bill payments, or automatic transfers. The transaction limitation also includes transfers or withdrawals made to another account that you have with us if made by: phone; fax; computer; debit card; ACH; bill payments; or automatic transfers, including transfers for overdraft protection purposes.

Transfers or Withdrawals Not Subject to Transaction Limitations. There is no limit on the number of transfers or withdrawals between the accounts you have with us if made by: mail, messenger, ATM, in person, or to repay a loan that you have with us.

If these restrictions are violated, we may be required to close your account, take away your ability to transfer funds, or convert the account to a checking or other transaction account.  In addition a per item excessive transaction fee will be imposed.

SAVINGS ACCOUNTS

Passbooks. If your account is a passbook account and you wish to make a withdrawal without your passbook, we can refuse to allow the withdrawal. If your passbook is lost or stolen, you will immediately notify us in writing.

CERTIFICATES OF DEPOSIT / TIME DEPOSIT ACCOUNTS

In addition to the General Rules, your Certificate of Deposit (“Certificate”) may be subject to the following:

  1. Account Terms. The Certificate bears interest at the rate and basis as set forth on the Certificate.  The terms of the Certificate, such as the interest rate, Annual Percentage Yield (“APY”), length of term period, renewability, and date of maturity are specified on the Certificate and in the Disclosures provided to you at the time of the account opening.  Interest will not be compounded unless otherwise noted and will be paid to you at the frequency and in the method noted.  Withdrawal of interest prior to maturity will affect the APY.
  2. Withdrawal Prior To Maturity. You have contracted to keep the account funds on deposit from the issue date until the maturity date.  We may accept a request by you for withdrawal of some or all of the account funds prior to the maturity date at our discretion or as otherwise described in the Disclosures.
  3. Additional Deposits during the Term. No additional deposits will be allowed to this account during its term unless otherwise described in the Disclosures.
  4. Early Withdrawal Penalty. Unless provided otherwise in the Disclosures, we will assess an early withdrawal penalty on any withdrawal, either partial or in whole, that we allow you to make from your account prior to the account’s maturity date.  The method for determining that penalty is described in the Disclosures.
  5. Automatic Renewal Certificates will renew automatically on the stated maturity date of its term.   Such renewal will be for a time period equal or similar to the original term and subject to these terms and conditions.  Interest for that renewal term will be paid at the interest rate then in effect at this financial institution for similar accounts.  If you close the Certificate after the maturity date and within the grace period following the maturity date, we will not charge an early withdrawal penalty for that withdrawal.  The grace period following a maturity date is described in the Disclosures.
  6. Single Maturity. Single Maturity Certificates will not automatically renew at maturity.  The Disclosures describe our policy concerning the account’s status following the maturity date.  To ensure a continuation of interest earning, you must arrange for a new investment of the account balance.

FUNDS AVAILABILITY POLICY

Your Ability to Withdraw Funds

Like most financial institutions, our policy is to delay the availability of funds that you deposit in your account.  During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.  If you have any questions, be sure and ask us.

Determining the Availability of a Deposit

The length of the delay is counted in business days from the day of your deposit.  Every day except Saturday, Sunday, and a federal holiday is a business day.  If you make a deposit on a business day that we are open, we will consider that day to be the day of your deposit.  However, if you make a deposit on a non-business day, we will consider that the deposit was made on the next business day we are open.  The length of the delay varies depending on the type of deposit and is explained below.  When we delay your ability to withdraw funds, the length of the delay is counted in Business Days from the day of your deposit. The term “Business Day” means any day other than a Saturday, Sunday or federally declared legal holiday, and the term “Banking Day” means that part of any Business Day on which we are open to the public for carrying on substantially all of our banking functions.

Same-day Availability

Funds from the following deposits are available on the day we receive the deposit.

  • Electronic Direct Deposits
  • Cash
  • Wire Transfers
  • Checks drawn on us

Next-day Availability

Funds from the following deposits are available on the first business day after the day of your deposit.

  • U.S. Treasury checks that are payable to you.

If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit.

  • State and local government checks that are payable to you
  • Cashier’s, certified, and teller’s checks that are payable to you
  • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders if these items are payable to you

If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day of you deposit.

All Other Check Deposits

In some instances other checks may be held on a case-by-case basis.  We will notify you if we delay your ability to withdraw funds.

The first $200 of your deposit will be available no later than the first business day after the day of your deposit.

The remaining funds will be available on the second business day after the day of your deposit, up to the first $5,000.

For any deposit in excess of $5,000, the excess will be available no later than the 10th business day after the day of your deposit.

Holds on Other Funds

If we cash a check for you that are drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account.  Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it and would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you cashed.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us.  The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

Longer Delays May Apply

Funds you deposit by check may be delayed for a longer period under the following circumstances:

  • We believe a check you deposit will not be paid
  • You re-deposit a check that has been returned unpaid
  • You have overdrawn your account repeatedly in the last six months
  • There is an emergency, such as a failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the 7th business day after the day of your deposit.

Deposits at Automated Teller Machines

Funds from any deposit (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the 5th business day after the day of your deposit.  This rule does not apply at ATMs that we own or operate, and are identified as our machines.  Deposits are accepted at our South Jersey ATM’s only.

Special Rules for New Accounts

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit.  Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions.  For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit.  If you deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.  Funds from all other check deposits will be available on the 10th business day after the day of your deposit.

Foreign Checks

Checks drawn on financial institutions outside of the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds from deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which they are drawn.

Substitute Checks and Your Rights

What Is a Substitute Check?

To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

What Are My Rights Regarding Substitute Checks?

In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 Business Days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How Do I Make a Claim for a Refund?

If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please call us at: 800-845-3577 or write to us at:

William Penn Bank
1309 S. Woodbourne Rd.
Levittown, PA 19057

You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:

  • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
  • An estimate of the amount of your loss;
  • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss: and
  • A copy of the substitute check and/or the following information to help us identify the substitute check such as the check number, the name of the person to whom you wrote the check, the amount of the check.

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

William Penn Bank is providing this Disclosure Statement so you are aware of your rights and responsibilities when using our Electronic Funds Transfer Services.

Consumer Liability – Reg E does not apply to business accounts.

The Electronic Fund Transfer Act and Regulation E require institutions to provide certain information to customers regarding electronic fund transfers (EFTs). This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family or household purposes. Examples of EFT services include direct deposits to your account, automatic regular payments made from your account to a third party and one-time electronic payments from your account using information from your check to pay for purchases or to pay bills. This disclosure also applies to the use of your Visa Check Card at automated teller machines (ATMs) and any networks described below.

TERMS AND CONDITIONS. The following provisions govern the use of electronic fund transfer (EFT) services through accounts held by William Penn Bank which are established primarily for personal, family or household purposes. If you use any EFT services provided, you agree to be bound by the applicable terms and conditions listed below. Please read this document carefully and retain it for future reference.

ELECTRONIC FUND TRANSFER SERVICES

PROVIDED SERVICES PROVIDED THROUGH USE OF VISA CHECK CARD.  If you have received an electronic fund transfer card (“Visa Check Card”) from us you may use it for the type(s) of services noted below, and the following provisions are applicable:

USING YOUR CARD AND PERSONAL IDENTIFICATION NUMBER (“PIN”). In order to assist us in maintaining the security of your account and the terminals, the Visa Check Card remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your Visa Check Card for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks sufficient funds to complete the transaction, including any available line of credit. We will not be required to complete any such transaction, but if we do, we may, at our sole discretion, charge or credit the transaction to another account; you agree to pay us the amount of the improper withdrawal or transfer upon request.

Certain transactions involving your Visa Check Card require use of your PIN which is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify William Penn Bank immediately if your Visa Check Card is lost or if the secrecy of your PIN is compromised. You also agree not to reveal your PIN to any person not authorized by you to use your Visa Check Card or to write your PIN on your Visa Check Card or on any other item kept with your Visa Check Card. We have the right to refuse a transaction on your account when your Visa Check Card or PIN has been reported lost or stolen or when we reasonably believe there is unusual activity on your account.

The security of your account depends upon your maintaining possession of your Visa Check Card and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. You may change your PIN by using a William Penn Bank ATM.

ATM SERVICES

The following services are available through use of your Visa Check Card:

You may withdraw cash from your checking account(s), money market account(s), and statement savings account(s).

You may make deposits into your checking account(s), money market account(s), and statement savings account(s).

You may transfer funds between your checking and money market accounts, checking and statement savings accounts, and statement savings and money market accounts.

You may make balance inquiries on your checking account(s), money market account(s), and statement savings account(s).

NETWORK. Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions.

ATM FEES. When you use an ATM not owned by us, or on the Allpoint network you will be charged a $1 fee and may be charged a fee by the ATM operator or any network used, you also may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

POINT OF SALE TRANSACTIONS

You may use your Visa Check Card to purchase goods and services from merchants that have arranged to accept your Visa Check Card as a means of payment (these merchants are referred to as “Participating Merchants”). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your Visa Check Card, including any purchase where you receive cash, are referred to as “Point of Sale” transactions and will cause your “designated account” to be debited for the amount of the purchase. The designated account for Visa Check Card transactions is the account you designated as the card’s primary account.

In addition, your Visa Check Card may be used at any merchant that accepts Visa® debit cards for the purchase of goods and services. Your card may also be used to obtain cash from your designated account at participating financial institutions. Each time you use your Visa Check Card, the amount of the transaction will be debited from your designated account. We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for the Visa Check Card transactions. We may, but do not have to, allow transactions which exceed your available account balance or if applicable, your available overdraft protection. If we do, you agree to pay the overdraft.

PIN-LESS DEBIT TRANSACTIONS – Visa®.

When you use your card with a Visa® logo on the VISA network(s) the transaction may be processed as a debit transaction without requiring PIN authentication (“PIN-less”). Transactions that are completed as PIN-less debit transactions will not be processed by Visa® and may post to your account as an ATM or Debit transaction rather than a Visa® purchase. Transactions processed in this manner may not qualify for Visa® rewards or points as they are not processed on the Visa® network.

Transactions completed as PIN-less debit transactions include, but may not be limited to, government payments, utilities, and property management fees.

CURRENCY CONVERSION – Visa®.

When you use your card with the Visa® logo at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is a rate selected by Visa® from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa® itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.

SERVICES PROVIDED THROUGH USE OF WILLIAM PENN’S VOICE RESPONSE SERVICE

You may perform the following functions through use of William Penn’s Voice Response Service.

You may initiate transfers of funds between your checking, money market, and statement savings accounts.

You may make balance inquiries on your checking account(s), savings account(s), money market account(s), statement savings account(s), Certificate of Deposit Accounts, and Loan Accounts.

You may make payments on consumer loans, home mortgage loans, home equity loans, Home equity lines of credit, and Savings account loans that you have with us.

In addition, you may perform other transactions such as: you may stop payment on a check through William Penn Bank’s Voice Response service.

You may report your Visa Debit Card lost or stolen.

You may change your telephone banking PIN via William Penn Bank’s Voice Response Service.

PREAUTHORIZED TRANSFER SERVICES

You may arrange for the preauthorized automatic deposit of funds to your checking account(s), savings account(s), money market account(s), statement savings account(s) and holiday club account(s).

You may arrange for the preauthorized automatic payment of bills from your checking account(s), money market account(s), and statement savings account(s).

SERVICES PROVIDED THROUGH USE OF WILLIAM PENN BANK’S INTERNET BANKING

William Penn Bank offers its customers use of our William Penn Bank’s Internet Banking service.

Please refer to the Terms and Conditions on our Internet Banking site for the transactions and services available. You may also request a copy of the On-line Banking Terms and Conditions at any branch location.

ELECTRONIC CHECK CONVERSION

You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills.

Electronic check conversion is a process where a merchant at time of purchase or a company that sends you a bill, uses your check as a source of information for the check number, your account number, and the number that identifies your bank. The information is then used to make a one-time electronic payment from your account. All of the relevant information will be on your account statement. The company that converted your check should be able to provide you with a copy of the check should you need it.

The merchant or the company that sends you bills will provide you notice about the conversion of your check. Common abbreviations that will appear on your statement for the conversion of your check may include ARC, RCK, BOC and POP.

LIMITATIONS ON TRANSACTIONS

There is a daily limit for all ATM withdrawal transactions. For security reasons, specific dollar limits are disclosed at the time the ATM access card is issued. William Penn Bank reserves the right to change dollar amount limits at any time upon prior notification.

The terms of your account(s) may limit the number of withdrawals you may make each month. Restrictions disclosed at the time you opened your account(s), or sent to you subsequently will also apply to your electronic withdrawals and electronic payments unless specified otherwise.

We reserve the right to impose limitations for security purposes at any time.

LIMITS ON TRANSFERS FROM CERTAIN ACCOUNTS. Federal regulation limits the number of checks, telephone transfers, online transfers and preauthorized electronic transfers to third parties (including Point of Sale transactions) from money market and statement savings type accounts. You are limited to six such transactions from each money market and/or savings type account(s) you have each statement period for purposes of making a payment to a third party or by use of a telephone or computer.

NOTICE OF RIGHTS AND RESPONSIBILITIES

The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below.

RIGHT TO RECEIVE DOCUMENTATION OF YOUR TRANSFERS

TRANSACTION RECEIPTS. Depending on the location of an ATM, you may not be given the option to receive a receipt if your transaction is $15.00 or less. Upon completing a transaction of more than $15.00, you will receive a printed receipt documenting the transaction (unless you choose not to get a paper receipt). These receipts (or the transaction number given in place of the paper receipt) should be retained to verify that a transaction was performed. A receipt will be provided for any transaction of more than $15.00 made with your Visa Check Card at a Participating Merchant. If the transaction is $15.00 or less, the Participating Merchant is not required to provide a receipt.

PERIODIC STATEMENTS. If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement. In any case you will receive your statement at least quarterly.

PREAUTHORIZED DEPOSITS. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company:  The person or company making the deposit will tell you every time they send us the money.

PASSBOOK ACCOUNTS. If the only type of electronic fund transactions are preauthorized deposits you will not receive a statement for your Passbook account. If you bring your Passbook to us we will record any electronic deposits that were made to your account since the last time you brought in your Passbook. You will not receive a periodic statement noting these transactions on your Passbook account.

RIGHTS REGARDING PREAUTHORIZED TRANSFERS

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at 800-845-3577 or write to:

William Penn Bank
1309 S. Woodbourne Rd.
Levittown, PA 19057

We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we will require you to put your request in writing and deliver it to us within fourteen (14) days after you call.

NOTICE OF VARYING AMOUNTS. If you have arranged for automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT

If you believe your Visa Check Card or PIN or internet banking access code has been lost or stolen, call us at: 800-845-3577 (9:00 am to 4:00 pm Eastern Time) or write to:

William Penn Bank
1309 S. Woodbourne Rd.
Levittown, PA 19057

You agree to contact William Penn Bank immediately if you forget your PIN number, if you give your PIN to someone else to use, or if a transaction occurs on your account that you did not authorize. You will notify William Penn Bank within 60 days after you have received your monthly bank statement if it shows transactions that you did not authorize. If you do not contact us within that time you may not be reimbursed for funds lost.

If you give your VISA check card and/or PIN to someone else to use, you are authorizing them to act on your behalf and you will be responsible for any transactions made by them.

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

CONSUMER LIABILITY

Tell us at once if you believe your Visa Check Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your Visa Check Card or PIN, you can lose no more than fifty dollars ($50) if someone used your Visa Check Card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your Visa Check Card or PIN and we can prove we could have stopped someone from using your Visa Check Card or PIN without your permission if you had given us notice, you can lose as much as five hundred dollars ($500).

Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you. you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING VISA CHECK CARD

The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the Visa® logo. These limits apply to unauthorized transactions processed on the Visa® Network.

If you notify us about an unauthorized transaction involving your Visa Check Card, and the unauthorized transaction took place on the Visa® Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such unauthorized transactions if we reasonably determine, based on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or your Visa Check Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions.

Your liability for unauthorized transactions with your Visa Check Card that involve PIN-based or PIN-less debit transactions not processed by the Visa® Network, including ATM transactions, are described under “Consumer Liability” above.

ILLEGAL USE OF VISA CHECK CARD

You agree not to use your Visa Check Card for any illegal transactions, including internet gambling and similar activities.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS

In case of errors or questions about your electronic fund transfers, call us at 800-845-3577 or write to:

William Penn Bank
1309 S. Woodbourne Rd.
Levittown PA 19057

Or use the current information on your most recent account statement.

Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact William Penn Bank no later than 60 days after it sent you the first statement on which the problem or error appears. You must be prepared to provide the following information:

  • Your name and account number.
  • A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information.
  • The dollar amount of the suspected error.

If you provide oral notice, you will be required to send in your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions. Visa’s® cardholder protection policy requires that we provide provisional credit for losses from unauthorized Visa® Check Card use within five (5) business days of notification of the loss.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law. However, there are some exceptions. We will NOT be liable, for instance:

  • If through no fault of ours, you do not have enough money in your account to make the transfer.
  • If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.
  • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.
  • If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.
  • If we have terminated our Agreement with you.
  • When your Visa Check Card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.
  • If we receive inaccurate or incomplete information needed to complete a transaction.
  • In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.
  • If the funds in the account are subject to legal action preventing a transfer to or from your account.
  • If the electronic terminal does not have enough cash to complete the transaction.

There may be other exceptions provided by applicable law in order to comply with government agency or court orders; or with your consent.

DISCLOSURE OF ACCOUNT INFORMATION

You agree that merchant authorization messages transmitted in connection with Point of Sale transactions are permissible disclosures of account information, and you further agree to release William Penn Bank and hold it harmless from any liability arising out of the transmission of these messages.

We will disclose information to third parties about your account or electronic fund transfers made to your account:

  • Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or
  • In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or
  • In order to comply with government agency or court orders; or with your consent.

DEFINITION OF BUSINESS DAY

Business days are Monday through Friday excluding holidays.

AMENDING OR TERMINATING THE AGREEMENT

We may change or amend any of the terms and conditions of the Agreement and those portions of the applicable fee schedules which relate to EFT services, at any time upon at least 30 days written notice to you prior to the effective date of the change or amendment. Your failure to timely furnish notice as set forth in the written notice shall be deemed to be your acceptance of such change or amendment. If you do not agree to abide by a change or amendment, you must notify William Penn Bank of the fact prior to the effective date of the change or amendment and cancel this Agreement. William Penn Bank may cancel this Agreement at any time, without giving you prior notice. If you or William Penn Bank cancels this Agreement at any time, you shall surrender your Visa Check Card and you may no longer use any of William Penn Bank’s EFT services other than the automated clearing house transfer services set forth above.

NOTICE OF ATM SAFETY PRECAUTIONS

SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE. Please keep in mind the following basic safety tips whenever you use an ATM:

  • Have your Visa Check Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose.
  • If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly.
  • If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction.
  • Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out go to a different location.
  • If someone else is using the machine you want to use stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around.
  • When using the machine, stand so you block anyone else’s view from behind.
  • If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors.
  • Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then.
  • Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location.

ADDITIONAL PROVISIONS

Your account is also governed by the terms and conditions of other applicable agreements between you and William Penn Bank. You agree not to reveal your PIN to any person not authorized by you to access your account.

FEE SCHEDULE

SERVICE FEE
Wire IN $15 per wire
Wire OUT $25 per wire
Coin counting Free to customers – 10% fee for non-customer
Gift Cards No fee
Money Order $5 per item
Bank Official Check $10 per item
Account Research $25 per hour
Statement Reconciliation $25 per hour
Collection Item $25 per item
Dormant Account $2 per month
Escheatment No fee
Legal Processing $125 per occurrence or order
Money Service Business Account Monitoring $100 per month
Overdraft – Non-sufficient Funds (includes Checks, ACH and EFT items) $35 per item
Overdraft – Uncollected Funds (includes Checks, ACH and EFT items) $35 per item
ATM Fees (when you use an ATM not owned by us, that is not a member of the Allpoint®  Network) $1 (in addition to any fees charged by the network operator)
Replacement Debit Card $5 each
Replacement Passbook $5 each
Return Deposit Item $15 per item
Copy of Account Statement $5 per statement
Check copy $5 per item
Stop Payment $30 per item
IRA Trustee Transfer No fee
Remote Deposit Capture Business Checking account required. $20,000 average monthly account balance required to avoid $40 monthly fee

SAFE DEPOSIT BOXES

SIZE ANNUAL FEE
3×5  $ 35.00
5×5  $ 45.00
3×10  $ 60.00
5×10  $ 80.00
10×10  $ 125.00
Lost or Replacement Key  Market Price
Drilling Cost  Market Price
Login