This disclosure contains the rules which govern your deposit account. After 6 months of no activity, your account will be assessed a monthly inactive fee. After 18 months of inactivity, your account will be classified as dormant and will be charge a monthly dormant fee if your account balance is less than $1,000.

Minimum Opening Deposit Requirements
To open this account you must deposit at least $50.00

Charges which may be applied to this account

• $25 Account Closure Fee
• $2 Account Inquiry (in person)
• $10 Account Set Up Fee
• $2 ATM Transaction at any PLUS (non-STAR/Presto) ATM
• $10 Cashier's Check
• $10 Chargeback
• VAR Check Printing Order (Fee Depends on Style of Check Ordered)
• $1 Counter Check
• $12.50 Dormant Account Fee (per Month) 
• $12.95 Monthly fee with direct deposit
• $19.95 Monthly fee without direct deposit
• $2 ATM Transaction at any non-Republic/Presto ATM
• $35 Overdraft Fee (per check or in-person, ATM or electronic withdrawal)
• $6 Overdraft Fee (per Business Day)
• $5 Phone Transfer
• $35 Returned Item Charge (per item) 
• $35 Stop Payment

Additional disclosure terms
Cash deposits or direct deposit only.
On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.