Schedule of Fees and Charges

Cashier's Checks:
Customers ................................................................................$10.00 ea.
Non-customers (Only for securing funds for an on-us check) $25.00 ea.
Temporary checks ...................................................$0.50 ea. in excess of 10 Night Deposit Bag
Small.........................................................................................$18.00 ea.
Large.........................................................................................$23.00 ea.
Collection of items .........................................................................$20.00 ea.

Check printing - Varies depending on style of checks and quantity ordered
Overdraft fee (checks and other debits paid) ................................$35.00 ea.
created by check, in person withdrawal, ATM withdrawal or by any other electronic means as applicable Non-sufficient funds (NSF) / Return Item fee
(checks and other debits returned) ..........................................$35.00 ea.
created by check, in person withdrawal, ATM withdrawal or by any other electronic means as applicable OD Interest Charge ...................................................... 17.75% per annum
Item drawn on uncollected funds ..................................................$35.00 ea.
Overdraft transfer protection ...........................................$12.00 per transfer Charge Back fee for Commercial Accounts Only (Deposited checks and other items returned unpaid) ................................$12.00 ea.
Current account activity printout........................................$5.00 per request
Account research...................................................................$25.00 per hour
Reproduction of statement/item..................................$5.00 per request
Reproduction of TT&Ls or Cashier's checks .................$5.00 per request
Misc Delivery Fee Domestic/Mexico Address.................................$25.00 ea
Misc Delivery Fee Foreign Address ................................................$40.00 ea
Missing Business Document Fee........................................$25.00 per month
Int'l Courier Proc. Fee .................................................$25.00 per transaction
Stop payment (all items).................................................................$35.00 ea.
Photocopies......................................................................................$2.00 ea.
Rejected items..................................................................................$0.50 ea.
Reclear items for Commercial Accounts Only................................$11.00 ea.
Statement retention fee ...............................$5.00 per statement per month
Inactivity fee .........................................................................$5.00 per month
Return Mail Processing fee...............................................................$5.00 ea.
Signature card update..................................................... $15.00 per account
Account closed within 90 days of opening..........................................$10.00
Trust service annual fee...........................................................$3,000.00 min.
Escrow account/Agency account ............................................$3,000.00 min.
Litigation Levies and Freezes .......................................................$100.00 ea.

Outgoing Wire Transfer within USA by IBC Representative ..........$25.00 ea.
Incoming Wire Transfer ..................................................................$12.50 ea.
Outgoing Wire Transfer outside USA Consumer Customer ..........$60.00 ea.
Outgoing Wire Transfer outside USA Business Customer.............$45.00 ea.
Outgoing Wire Transfer within IBC (Book Transfer) .......................$10.00 ea.
Wire Transfer Return Fee................................................................$25.00 ea.

ATM Withdrawal limit per day............................................................$700.00
POS Withdrawal limit per day.........................................................$3,000.00
Debit/ATM Card Replacement Fee................................................$15.00 ea.
IBC ATM locations:
Withdrawal ......................................See account description for details†
Transfer............................................See account description for details†
Inquiry............................................................................................... FREE
Deposits ........................................................... Available at select ATMs
Deposit Cash limit per day...............................................$2,000.00 daily
Number of items deposited at a time: 30 bills in a single transaction
Deposit Check limit per day.............................................$2,000.00 daily
Number of items deposited at a time: 10 checks in a single transaction
Non-IBC ATM locations (in the U.S.):
Withdrawal .................................................................................$2.00 ea.
Transfer.......................................................................................$2.00 ea.
Balance Inquiry...........................................................................$2.00 ea.
Non-IBC ATM locations (outside the U.S.):
Withdrawal .......................................................................................$2.50 ea.
Transfer.............................................................................................$2.00 ea.
Balance Inquiry.................................................................................$2.00 ea.
Foreign Debit/ATM Transaction fee...................... 3% of transaction amount

Balance information ............................................................................... FREE
Check paid information.......................................................................... FREE
Deposit information ............................................................................... FREE
Wire transfer information ....................................................................... FREE
Account-to-account transfer..................See account description for details†

Check account balances......................................................................... FREE
Review account activity .......................................................................... FREE
Transfer funds between accounts..........See account description for details†
Order Deluxe checks (Varies depending on style of checks and quantity ordered)
Inquiries with online staff ....................................................................... FREE
Download account information.............................................................. FREE
View Images ........................................................................................... FREE
eStatements (View and Download) ........................................................ FREE
Online Stop Payment .....................................................................$35.00 ea.
Mobile Deposit ...................................................................................... FREE
IBC to IBC Transfer ...............................See account description for details†

Overnight Check ............................................................................$14.95 ea.
Same-Day Bill Payment ....................................................................$9.95 ea.
Bill Pay Stop Payment ....................................................................$35.00 ea.

Purchase Gift Card ...........................................................................$5.00 ea.
Reloadable Cash Card....................................................FREE initial issuance
Reloadable Cash Card Maintenance Fee.............................$4.95 per month