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 Customer Notification Letter 

December 5, 2012


Dear Valued Customer:

Thank you for banking with International Bank of Commerce/Commerce Bank and entrusting our Banking Family with your financial needs.  In the face of regulatory reform and economic challenges, we are proud that unlike many other financial institutions, we have continued providing our free products and services.  
   
Due to these challenges, we find it necessary to amend the existing Account Schedule of Fees and Charges.  The changes listed below will become effective January 7, 2013.


Product

Change

Ways to Avoid Charge

Check N Save Plus
(Personal & Commercial)

If third party checks written per statement cycle exceed 6, a $10.00 fee per check will be assessed.

Limit checks written from this type of account to no more than 6 per statement cycle.

Elite Advantage

If third party checks written per statement cycle exceed 6, a $10.00 fee per check will be assessed.

Limit checks written from this type of account to no more than 6 per statement cycle.

Platinum Money Market
(Personal & Commercial)

If third party checks written per statement cycle exceed 6, a $10.00 fee per check will be assessed.

Limit checks written from this type of account to no more than 6 per statement cycle.

 

Fee

New Amount

Ways to Avoid Charge

Overdraft Fee

$35.00

Keep your checkbook balanced by using your check register and monitor your account with any of our FREE tools like IBC Voice, IBC Bank Online & IBC Mobile

Return Item Fee

$35.00

Item drawn on uncollected funds

$35.00

Overdraft Transfer Protection

$12.00 per transfer

Chargeback Fee (Deposited checks and other items returned unpaid)

$12.00

Ensure proper endorsement and follow security procedures on checks you accept.

Reclear Item Fee

$11.00

Stop payment Fee

$35.00

Safeguard your checkbook/Know your payees

Online Stop Payment Fee

$35.00

Return Mail Processing Fee

$  5.00 

Notify IBC of any address changes and enroll for FREE eStatements

Debit/ATM Card Replacement Fee

$10.00

Safeguard your Debit/ATM card


Other Changes
Cross Border ATM/POS Transaction Fee (Foreign Debit/ATM Transaction Fee) will change to 3% of the transaction amount. 

We want you to remain an IBC/Commerce Bank customer.  Based on your input, we are working to stay committed to Free Bee and our free products program and the exceptional service you have always come to expect from IBC. 

If you have any questions regarding the amendments described herein, please contact your account officer or a customer service representative.  We value you as our customer and look forward to your continued patronage.    
 
Thank you,
IBC Bank / Commerce Bank