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ALL ABOUT YOUR CONSUMER DEPOSIT ACCOUNTS

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Free Checking Account
Open this account with $100.
No monthly service charges and no minimum balance requirements.

"Secure Plus Club" Checking Account
Open this account with $100. No minimum balance requirements.
No cost for standard order of checks.
Safe Deposit Box discount.
$10,000 Accidental Death Insurance/Monthly Fee of $8 Single, $10 Family.

Investment Checking Account
Open this account with $1,000.
No monthly maintenance fee.
Tiered interest plans with daily deposit balance of $1,000 or more (interest compounded and credited monthly).

MBA Account (Mature Banking Associates)
If you're 55 or older you can open this interest bearing account with $2,500.
First order of Standard Checks is FREE.
$2 monthly service fee PLUS .20 per item charged for each debit transaction if account balance falls below $500 during a statement cycle.
Interest is compounded and credited monthly for DAILY balance of $2,500 or more.

Money Market Growth Account *
Open this tiered interest rate account with $1,000.
$5 monthly service fee if balance falls below $1,000 any day of the statement cycle.
Interest is compounded and credited monthly to accounts maintaining a $1,000 daily balance.

Regular Savings Account **
Open this account with only $50.
Interest bearing account compounded and credited quarterly.
No monthly maintenance fee.
Transaction limitations - Transfers from a Regular Savings account to another account or to third parties by automatic, preauthorized, telephone or computer transfer, debit card, or similar order to third parties are limited to six per month.
Fees: An excessive savings withdrawal debit fee will be charged for each withdrawal in excess of six during a quarter.

Christmas Savings Account
There is no minimum deposit to open this account.
No monthly maintenance fee.
Option to have funds deposited directly into a Rabun County Bank Checking Account.
Transaction limitations - Transfers from a Christmas Savings Account to another account or to third parties by preauthorized, automatic, telephone, computer transfer or by debit card or similar order to third parties are limited to six per month.
Fees: An excessive savings withdrawal debit fee will be charged for each withdrawal in excess of six during a quarter.

* Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone or computer transfer or by debit card, or similar order to third parties are limited to six per month.
** An excessive fee will be charged for each withdrawal in excess of six during a quarter.

All Rabun County Bank customers have FREE access to QuickLine, our 24/7 automated telephone response system; NetLine, our online banking solution which offers secure, easy access from any computer; electronic statement delivery, and bill payment capabilities (enrolled through NetLine).

CONSUMER SCHEDULE OF SERVICE CHARGES AND FEES

Free Checking Account 
  - Monthly fee
  - Per item withdrawal fee

Secure Plus Club Checking Account
Monthly Club service charge determined as follows:
 - Single Plan service charge
 - Family Plan service charge

Investment Checking Account 
 - Monthly fee
 - Per item withdrawal fee

Mature Banking Associates Account
For those 55+ years of age
If daily balance falls below $500
 - Monthly maintenance fee
 - Per item debit fee

Money Market Growth Account
If daily balance falls below $1,000
 - Monthly maintenance fee
 - Excessive transaction fee
  (per statement cycle)

Regular Savings Account/Christmas Savings Account 
 - Excessive Savings withdrawal debit fee

General Charges
** Returned Item Fee
** Overdraft Fee
Stop Payment
Deposited Returned Check Fee
Wire Transfer
  - Customer
     - Incoming
     - Outgoing
   - Non-Customer
International Outgoing Wire Transfer
* Cashier's Check - Customer
   - Non-Customer
Check Cashing - Non-Customer
        - 2.00% of the amount cashed with a $10.00 minimum fee
Collection Item Outgoing/Incoming
Collection of Municipal Bonds
Garnishment/Levy
Interim Statement
Copy of Checks
Account Research/Balancing:
         - $.25 per copy + $20.00 per hour
Early Account Closing Fee (within 90 days) 
Telephone Transfer  - Bank Assisted
Netline Transfer
Quickline Transfer
Overdraft Protection IFMS Transfer
Replacement/Reissue ATM/Debit Card
ATM Withdrawal Special Fee
Dormant Account Charge (after 12 months) per month
Excessive fee


$ 0.00
$ 0.00



$ 8.00
$ 10.00


$ 0.00
$ 0.00




$ 2.00
$ .20



$ 5.00
$ 7.00



$ 7.00


$ 35.00
$ 35.00
$ 35.00
$ 5.00


$ 15.00
$ 20.00
$ 30.00
$ 75.00
$ 5.00
$ 10.00


$ 15.00
$ 20.00
$ 50.00
$ 3.00
$ 1.00


$ 20.00
$ 5.00
$ 0.00
$ 0.00
$ 5.00
$ 5.00
$ 1.00
$ 5.00
$ 7.00

Analysis Accounts: Certain Business Accounts are subject to Analysis. Your Account Representative can provide you with information about Analysis.

(ATM fees will be assessed at ATMs we do not own and operate regardless of balances maintained. Organizations which also assess fees for use of their ATM should post fees on the ATM screen.)

* Club and Mature Banking Associates receive Discount
** In addition to Overdraft/Returned Item Fees, a fee of $5 per business day will be charged to accounts that remain overdrawn on the 3rd day after the initial overdraft occurs.

All charges subject to change without notice.