Fees & Charges

Savings

Personal

Personal	Frequency	Value
Minimum balance threshold	Monthly	No Minimum
Minimum balance violation fee	Quarterly	NIL
Maintenance fee	Monthly	Free
In-branch deposit transaction (teller) fee	Per transaction	NIL
Number of free in-branch deposit transactions per period	Monthly	NIL
In-branch withdrawal transaction (teller) fee	Per transaction	NIL
Number of free in-branch withdrawal transactions per period	Monthly	NIL
Dormant account fee	Annually	TTD Accounts – TTD100 USD Accounts – USD20

** No cheques books will be issued on savings accounts

Chequing

Personal

Personal	Frequency	Value
Minimum balance threshold	Quarterly	NIL
Minimum balance violation fee	Not Applicable	NIL
Maintenance fee	Monthly	Free
In-branch deposit transaction (teller) fee	Per transaction	NIL
Number of free in-branch deposit transactions per period	Other	NIL
In-branch withdrawal transaction (teller) fee	Per transaction	NIL
Number of free in-branch withdrawal transactions per period	Monthly	NIL
Cheque book fee	Annually	(SB-50,CA-100) leaves free in one FY. $1.25 per leaf thereafter
Cheque return fee	Per transaction	$40
Cheque stop payment fee	Per unit	$30
Dormant account fee	Annually	TTD Accounts – TTD100 USD Accounts – USD20
Overdraft fee (initial)	Per transaction	1.5% of principal value, minimum of $1,000
Overdraft renewal fee	Annually	1.5% of principal value, minimum of $1,000
Overdraft excess limit fee	Monthly	Fixed annual rate of 15%, mimimum of $40. Accrued daily on overdrawn balance. Charged monthly (end of month).

Business

Personal	Frequency	Value
Minimum balance threshold	Quarterly	Quarterly Average Balance (QAB)-$1000
Minimum balance violation fee	Quarterly	$50.00
Maintenance fee	Not Applicable	Free
In-branch deposit transaction (teller) fee	Per transaction	NIL
Number of free in-branch deposit transactions per period	Quarterly	NIL
In-branch withdrawal transaction (teller) fee	Per transaction	NIL
Number of free in-branch withdrawal transactions per period	Per transaction	NIL
Cheque book fee	Annually	100 leaves free in one FY. $ 1.25 per leaf thereafter
Cheque return fee	Per transaction	$40.00
Cheque stop payment fee	Per unit	$30.00
Dormant account fee	Annually	TTD Accounts – TTD100 USD Accounts – USD20
Overdraft fee (initial)	Annually	1.5% of principal value, minimum of $1,000
Overdraft renewal fee	Annually	1.5% of principal value, minimum of $1,000
Overdraft excess limit fee	Monthly	Fixed annual rate of 15%, mimimum of $40. Accrued daily on overdrawn balance. Charged monthly (end of month).
Overdraft excess item fee	Per unit	100
Overdraft – temporary overun fee	Per transaction	1% of increased limit, minimum of $250

Lending

Instalment Loans

Instalment Loans	Frequency	Value
Application fee	Per transaction	N/A
Credit report fee	Per unit	$80 On actual cost basis ( No fee levied by bank)
Acceptance/Commitment fee	Other	1.5% on all loans, minimum $1,000
Late payment fee	Monthly	2% on overdue amount, minimum $100
Refinancing fee	Per transaction	$250 plus 1.5%, minimum $1,000
Early settlement fee (for full outstanding balance)	Per transaction	3 months interest
Prepayment fee (for partial repayment of principal)	Per transaction	Free
Negotiation Fee	% of value	1.5% on principal value, minimum $1,000
Loan Payment deferral fee	Per transaction	$100 per payment deferred

Residential Mortgage

Residential Mortgage	Frequency	Value
Application fee	Per transaction	N/A
Credit report fee	Per unit	On actual cost basis ( No fee levied by bank)
Acceptance/Commitment fee	Per transaction	1.5% on all loans, minimum $1,000
Late payment fee	Monthly	2%, minimum $100 on overdue amount
Refinancing fee	Per transaction	$250 plus 1.5%, minimum $1,000
Early settlement fee (for full outstanding balance)	% of value	Free with 3 month’s notice or 3 month’s interest
Prepayment fee (for partial repayment of principal)	% of value	2 pre-payments annually (max 10% of balance); 2% fee on balance

Commercial Mortgage

Commercial Mortgage	Frequency	Value
Application fee	Per transaction	N/A
Credit report fee	Per unit	On actual cost basis ( No fee levied by bank)
Acceptance/Commitment fee	Per transaction	1.5% on all loans, minimum $1,000
Late payment fee	Monthly	2% on overdue amount
Refinancing fee	Per transaction	$250 plus 1.5%, minimum $1,000
Early settlement fee (for full outstanding balance)	% of value	Free with 3 month’s notice or 3 month’s interest
Prepayment fee (for partial repayment of principal)	% of value	2 pre-payments annually (max 10% of balance); 2% fee on balance

Payments

Debit Card

Local Off-us ATM transaction fees LINX	Frequency	Value
ATM enquiry	Per transaction	Free
ATM withdrawal (TT$)	Per transaction	Free
ATM withdrawal declined	Per transaction	Free

Card Issuance fees	Frequency	Value
1st issue fee	Per unit	Free
Replacement fee	Per unit	$50.00

Point of sale fees	Frequency	Value
Usage fee for approved local transaction	Per transaction	Free
Usage fee for declined local transaction	Per transaction	Free

Queries	Frequency	Value
Debit Card queries	Per transaction	Free withing 3 months of transactions Prior to 3 months – $50 Requesting DVR Footage – $100 (MIN)

Wire Transfers

Wire Transfers	Frequency	Value
Wire transfer fee outgoing	Per transaction	<USD15000 = USD10 USD15001-USD50000 = USD15 >USD50001 = USD25
Wire transfer fee incoming	Other	Free

RTGS Transactions

RTGS Transactions	Frequency	Value
RTGS outgoing transaction fee	Per transaction	<USD15000 = USD10 USD15001-USD50000 = USD15 >USD50001 = USD25
RTGS incoming transaction fee	Other	Free

ACH Transactions - Personal

ACH Transactions - Personal	Frequency	Value
ACH fee per transaction	Other	Free
ACH sundry query fee	Per transaction	Within 3 months of date of transaction – $25 Prior to 3 months of date of transaction – $50

ACH Transactions - Business

ACH Transactions - Business	Frequency	Value
ACH fee per transaction	Other	Free
ACH direct fee (processed by originator)	Not Applicable	–
ACH indirect fee (processed by bank obo originator)	Not Applicable	–
ACH credit return fee	Not Applicable	–
ACH debit return fee	Not Applicable	–
ACH sundry query fee	Other	Within 3 months of date of transaction – $25 Prior to 3 months of date of transaction – $50

Other Fees

Misc. services

Misc. services	Frequency	Value
Bank reference letter	Per unit	$50.00
Embassy statement	Per unit	$50.00
Manager’s cheques – bank customer (local draft)	Per unit	$25.00
Statement letter	Per unit	$50.00
Settlement letter	Per unit	$50.00
Letter on Indebtedness	Per unit	$50.00
Letter of Non-Indebtedness	Per unit	$50.00
Audit Confirmations	Per unit	Current Year – $150 Prior Years – $200
Lost Fixed Deposit Certificate	Per unit	$25.00
Large Cash Handling – Withdrawal	Per unit	0.15% > 10,000
Large Cash Handling – Deposit	Per unit	0.10% > 10,000
Printed Account Statement ourstide of regular cycle	Per unit	$50.00
Daily Statements	Per unit	$10.00

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