Important Account Information for Our Customers
Truly Best Free Business Checking
Account Fees - The following fees and charges apply to this account:
Returned Item Fee - $1.95 per deposit item returned.
Combined Item Fee - A fee of $0.25 will be charged per item over 500 items. Items include, but are not limited to: deposits, checks written, debits, credits, transit items deposited and electronic items (ACH).
Truly Best Free Business Interest Checking
Rate Information - This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the average daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If this account is used as an IRETA account, then Interest (less applicable fees and service charges) will be sent to the Real Estate Trust Account Committee. If this account is used as an IOLTA Trust Account, then Interest (less applicable fees and service charges) will be sent to the North Dakota Bar Foundation, IOLTA Program.
Balance Information - We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Account Fees - The following fees and charges apply to this account:
Returned Item Fee - $1.95 per deposit item returned.
Combined Item Fee - A fee of $0.25 will be charged per item over 100 items. Items include, but are not limited to: deposits, checks written, debits, credits, transit items deposited and electronic items (ACH).
Truly Great Business Checking
Account Fees - The following fees and charges apply to this account:
Returned Item Fee - $1.95 per deposit item returned.
Check & Debit Fee - $0.11 per item.
Deposit & Credit Fee - $0.17 per item.
Deposited Item Fee - $0.06 per item.
Monthly Maintenance Fee - $4.97 per month.
.
Truly Great Business Interest Checking
Rate Information - This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the average daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If this account is used as an IRETA account, then Interest (less applicable fees and service charges) will be sent to the Real Estate Trust Account Committee. If this account is used as an IOLTA Trust Account, then Interest (less applicable fees and service charges) will be sent to the North Dakota Bar Foundation, IOLTA Program.
Balance Information - We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Account Fees - The following fees and charges apply to this account:
Returned Item Fee - $1.95 deposit item returned.
Check & Debit Fee - $0.11 per item.
Deposit & Credit Fee - $0.17 per item.
Deposited Item Fee - $0.06 per item.
Monthly Maintenance Fee - $4.97 per month.
.
Other Account Fees
The following fee applies to all of your accounts with us except Certificates of Deposit and Time Deposit Accounts:
| Overdraft Charge (each overdraft paid): | $29.95 per presentment. One day maximum charge of $149.75 on consumer accounts. |
| Two Signatures Required: | $29.95 per month |
| Returned Item Fees: | $29.95 per return. One day maximum charge of $149.75 on consumer accounts. |
| Dormant Account Charge: | $2.95 per month. No transactions in a 12 month period and the balance is below $100. |
| Special Statement Handling: | $1.95 per month for receiving images of checks and deposits with your statement with a Truly Free Checking Account. |
| Continuous Overdraft Charge: | $29.95 after fifth consecutive business day account is at an overdrawn status. |
| Automatic Transfer: | $0.95 per Automatic Transfer to or from accounts with another institution involving a checking or savings account (ACH Transfers). |
| Account Transcript Statement: | $1.95 |
| Special Statement Handling: | $0.95 |
| Account Research: | $75.00 per hour plus $1.00 per document with a minimum charge of $3.00. |
| Account Balancing Assistance: | $34.95 per hour. |
| Copy of Check: | $1.95 |
| Copy of Statement: | $1.95 |
| E-Statement Copy request: | $1.95, if you are signed up for E-Statement Delivery and request a copy of your statement. |
| Stop Payment - Check: | $19.95 |
| Stop Payment - ACH & Debit Card: | $19.95 |
| Closed Account | $19.95 assessed to accounts opened less than six months |
Other Account Fees
ATM & Debit Cards
- Replace Singe ATM Card & PIN: $9.95
- Replace Dual ATM Cards & PINs: $11.17
- VISA Debit Card Replacement: $12.95 per card
- Debit Card PIN Replacement or Change: $4.95
Wire Transfer
- Wire Transfer (Outgoing): $14.95
- Wire Transfer (Foreign): $49.95
VISA Travel Money Prepaid Card
- VISA Travel Money Card: $8.95
- VISA Travel Money Card Reload Fee: $2.00
- VISA Travel Money Card Minimum & Maximum Load Values: $100 Minimum & $5,000 Maximum
- VISA Travel Money Card Additional Fee Information: Additional Fee Information is available upon request or with documentation provided upon purchase
VISA Gift Card
- VISA Gift Card: $2.95
- VISA Gift Card Minimum & Maximum Load Values: $10 Minimum & $1,000 Maximum
Safe Deposit Boxes
- Past Due Safe Deposit Box Rent: $9.95 per month
- Safe Deposit Box Lock Re-Key (Due to Lost Key): $69.95
- Safe Deposit Box Drill Out: $124.95
- Safe Deposit Box Rental: Varies By Size
Other Charges
- Check Printing: Fee depends on style, options & quantity of check ordered
- Money Order: $0.95
- Collection items (domestic): $25.00
- Collection items (foreign): Variable
- Garnishment/Levies: $25.00 to be paid by creditor or depositor
- ID Theft & Restoration Fee: $2.95 per month billed on the 1st of the month through automatic debit from a Checking or Savings account with Security First Bank of ND. Coverage for Identity Theft for the household that resides at the address we have registered.
- Single Bureau Credit Monitoring Fee: $4.95 per month billed on the 1st of the month from automatic payment from a Checking or Savings account with Security First Bank of ND. Provides monitoring of a person's credit that is reported to Experian. This also includes the ID Theft & Restoration product that covers Identity Theft for household at the registered address. Enroll a second person in your household for a total cost of $8.95/month.
- Triple Bureau Credit Monitoring Fee: $8.95 per month billed on the 1st of the month from automatic payment from a Checking or Savings account with Security First Bank of ND. Provides monitoring of a person's credit that is reported to Experian. This also includes the ID Theft & Restoration product that covers Identity Theft for household at the registered address. Enroll a second person in your household for a total cost of $14.95/month.