Schedule of Deposit Account Fees and Terms
Revision Date: January 1, 2006
SCHEDULE OF FEES FOR PERSONAL ACCOUNTS
Basic Checking Account Fees - $100 minimum to open
Features:
- Non-interest bearing.
- Free Online Banking and Online Statements.
- Bill Payment available.
- ATM and Debit cards available.
- Free ATM use and Bofi will reimburse ATM fees you pay to other banks up to
$6 per month
- First 50 checks printed free (bofi.com classic collection).
- Free postage paid bank by mail envelopes.
- Overdraft Protection available
Pricing:
- $5.00 monthly maintenance fee if the average daily balance falls below
$100.00.
- Pay up to 10 bills with Internet Bill Payment feature free of service
charges. Additional bills paid will be assessed a fee of .20 cents each.
- Write up to 30 checks each month free of service charges. Additional
checks paid will be assessed a fee of .20 cents each.
Freedom Checking Account - $100 minimum to open
Features:
- Interest earning.
- Free Online Banking and Online Statements.
- Free Bill Payment.
- ATM and Debit Cards available.
- Free ATM use and Bofi will reimburse ATM fees you pay to other banks up to
$7 per month.
- First 50 checks printed free (bofi.com classic collection).
- Free postage paid bank by mail envelopes.
- Overdraft Protection available.
- Up to $7.00 in ATM transaction charges refunded each month
Pricing:
- $4.00 monthly maintenance fee if the average daily balance falls below
$1,000.00.
Student Checking Fees (Students) - $50 minimum to open
Features:
- Non-Interest bearing.
- No Monthly Maintenance Fee.
- Free Online Banking and Online Statements.
- Bill Payment available
- ATM and Debit Cards available.
- First 50 checks printed free (bofi.com classic collection).
- Free postage paid bank by mail envelopes.
- Overdraft Protection available.
Pricing:
- No monthly fee is charged regardless of balance.
- .30 cent fee for each Bill Payment
Boomer Checking Account Fees (40+ years old) - $50 minimum to open
Features:
- Interest earning.
- No monthly fee Maintenance Fee.
- Free Online Banking and Online Statements.
- Bill Payment available
- ATM and Debit Cards available.
- Free ATM use and Bofi will reimburse ATM fees you pay to other banks up to
$8 per month.
- Free checks (bofi.com classic collection). Limit - one box per order.
- Free postage paid bank by mail envelopes.
- Overdraft Protection available.
Senior Checking Account Fees (50+ years old) - $50 minimum to open
Features:
- Interest earning.
- No monthly fee Maintenance Fee.
- Free Online Banking and Online Statements.
- Bill Payment available
- ATM and Debit Cards available.
- Free ATM use and Bofi will reimburse ATM fees you pay to other banks up to
$8 per month.
- Free checks (bofi.com classic collection). Limit - one box per order.
- Free postage paid bank by mail envelopes.
- Overdraft Protection available.
- Free Bill Payment
Grandfathered not available for new accounts
Eureka Checking Account Fees (interest bearing)
- Interest earning.
- No monthly fee Maintenance Fee.
- Free Online Banking and Online Statements.
- Free Bill Payment.
- ATM and Debit Cards available.
- Free ATM use and Bofi will reimburse ATM fees you pay to other banks up to
$10 per month.
- Free checks (bofi.com classic collection). Limit - one box per order.
- Free postage paid bank by mail envelopes.
Grandfathered not available for new accounts
Tiered Interest Checking Account Fees
- Interest earning.
- Free Online Banking and Online Statements.
- Bill Payment available
- ATM and Debit Cards available.
- Free ATM use and Bofi will reimburse ATM fees you pay to other banks up to
$6 per month.
- First 50 checks printed freee (bofi.com classic collection).
- Free postage paid bank by mail envelopes.
Pricing:
- $7.00 monthly maintenance fee if the average daily balance falls below
$1,500.00.
- Pay up to 20 bills with Bofi.com Internet Bill Payment Feature free of
service charge. Additional bills paid will be assessed a fee of .30 cents
each.
Savings Account - $100 minimum to open
- Interest earning -- Compounded Daily
- No Maintenance Fee.
- Free Online Banking and Online Statements.
- Free ATM Cards available.
- Free postage paid bank by mail envelopes.
Money Market Savings - $100 minimum to open
Features:
- Interest earning -- Compounded Daily
- Limited check writing (3 per month)
- Free Online Banking and Online Statements.
- Free ATM Cards available.
- Free postage paid bank by mail envelopes.
Pricing:
- No monthly service charge
- Excessive Transaction Fee $10.00 - See disclosure
Certificate of Deposit Fees - $1,000 minimum to open
- No Maintenance Fees.
- Penalty for Early Withdrawal - See disclosure
- Free Online Banking
OTHER PERSONAL ACCOUNT FEES:
| Statement and Research Services |
| Statement on Internet | No Charge |
| Statement Copy from archive, per page | $10.00 |
| Check copy from Internet | No Charge |
| Check copy from archive, per item | $5.00 |
| Research/Reconciliation, per hour | $35.00 |
| Statement copy from Internet | No Charge |
| Legal Process: | $75.00 |
| Account Services: |
| ATM card replacement | $5.00 |
| ATM withdrawals | No Charge |
| ACH transactions | No Charge |
| VISA check card transactions and POS transactions | No Charge |
| Telephone banking transactions | No Charge |
| Internet banking transactions | No Charge |
| Sweep account OD protection transfer, per transfer | $1.00 |
| (No Charge for Senior Checking Accounts) | |
| Collection Services |
| Foreign collection items, minimum plus cost | $20.00 |
| Domestic collection items, per item plus cost | $20.00 |
| Wire Transfer Services (customers only): |
| Domestic incoming | No Charge |
| Domestic outgoing, each | $30.00 |
| Other wire transfer service fees quoted upon request | Quote |
| Payment Products (customers only) |
| Official checks, each | $5.00 |
| Certified or overnight mail charged at actual cost> | |
| Other Fees |
| Non-sufficient/uncollected funds, per returned item includes checks, ATM, ACH and bill payments | $25.00 |
| Non-sufficient/uncollected funds, per paid item includes checks, ATM, ACH and bill payments | $25.00 |
| Returned deposited items, per item | $10.00 |
| Stop payments, per request includes checks and ACH | $25.00 |
| Bill Payment Stop Payment | $25.00 |
| Intra-account transfer requests received by fax, mail or email between BofI accounts | $10.00/transfer |
| Online or automated telephone transfers | no charge |
| Bofi On-Us Check Cashing Fee for Non-Customers: | $15.00 |
SCHEDULE OF FEES FOR BUSINESS ACCOUNTS
Basic Business Account Fees
- $10.00 monthly fee is charged regardless of balance
- 30ยข fee for each automatic clearing house (ACH) transaction
- .30 cent fee per bill payment
Not-for-profit Business Account Fees
- $5.00 monthly fee is charged if the average daily balance falls below $10,000.00
Account Analysis Business Account Fees
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