ESL Business Banking Fee Schedule

Effective as of 5/1/2012

SERVICE FEE
ACH Fees
    ACH Online Origination
$17.00 per month
Business Analyzed Checking
    ACH Debits & Credits
    ATM Deposits & Withdrawals
    Checks Paid or Deposited
    Deposit Ticket
    Monthly Fee
$0.15
$0.15
$0.15
$0.15
$10.00
Business Classic Checking -
First 300 free/month
    ACH Debits & Credits
    ATM Deposits & Withdrawals
    Checks Paid or Deposited
    Deposit Ticket

$0.25
$0.25
$0.25
$0.25
Business Premier Checking -
First 500 free/month
    ACH Debits & Credits
    ATM Deposits & Withdrawals
    Checks Paid or Deposited
    Deposit Ticket
    Monthly Fee1

$0.25
$0.25
$0.25
$0.25
$12.00
Business Money Maker
    Monthly Fee2
$7.00
Business Visa® Check Card
    Annual Fee for Rewards
    ATM Withdrawal at Non-ESL Owned ATMs
    Check Card Rush Order
    International Service Assessment
$50.00
$1.50
$15.00
1% of transaction amount
Business Visa® Credit Card
    Annual Fee for Rewards
    International Service Assessment
$50.00
1% of transaction amount
Collection Items/Foreign
$.01-$25.00 - Free
$25.01-$100.00 - $10.00
$100.01-$500.00 - $20.00
$500.01-$1,000.00 - $30.00
≥ $1,000.01 - $50.00
Currency Fees
    Cash Purchase (Currency)
    Cash Purchase (Coin)
    Coin Deposit
    Currency Deposit
$0.10 per strap
$0.10 per roll
$0.10 per roll
$0.10 per strap
Overdraft Fees
    Overdraft/Insufficient Funds
    Overdraft/Uncollected Funds
    POS Overdraft (Purchase Amount)
$37.00
$37.00
$.01-$5.00 - Free
≥ $5.01 - $37.00
Mail Service Fees
    Overnight Mail Service
    Saturday Only
$6.50
$16.50
Remote Deposit Capture
    Deposited Item Fee
    Equipment Purchase (Single Feed)
    Equipment Purchase (Multi-Feed)
    Monthly Fee
    Set Up Fee
$0.10
$350.00
$700.00
$65.00
$80.00
Safe Deposit Boxes Annual Rental3
(Contents of box are not insured.) 		3" x 5" - $35.00
5" x 5" - $55.00
3" x 10" - $65.00
5" x 10" - $75.00
10" x 10" - $100.00
Service Charges
    ACH Deposit Item Returned
    Check Copy
    Check Protest
    CheckOK (Overdraft from Savings)
    Deposited Items Returned
    Excess Withdrawal Fee (Reg.D)
    Foreign Draft
    Legal Execution Processing Fee
    Low Balance/Inactivity Fee4
    Money Order/Official Checks
    Research Fee (minimum per hour)
    Returned Payment Fee (all loan products)
    Stop Payment
    Travelers Cheques
$6.00
$5.00
$15.00 + postage
$5.00
$10.00
$10.00
$20.00
$75.00
$5.00 per month
$5.00
$25.00
$35.00
$30.00
1% of sale
Wire Transfer Fees
    Incoming Domestic
    Outgoing Domestic
    Incoming International
    Outgoing International
$12.00
$20.00
$12.00
$35.00

1Can be waived if average balance for the month is greater than $5,000.

2Can be waived if average balance for the month is greater than $25,000.

3Available at select ESL locations. Excludes sales tax.

4No activity for one year, aggregate balance in all shares less than $100 and no active loans.

The fees on this Business Banking Fee Schedule are in addition to any fees listed in any ESL disclosures, terms and conditions, account agreements or any other document provided by ESL.