This disclosure contains the rules which govern your deposit account. 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 establish direct deposit of payroll.

Charges which may be applied to this account

• $.30 Counter Check (over 10, $.55 each)
• $2 Account Inquiry
• $2 ATM Transaction at any PLUS (non-STAR) ATM
• $2 Non-Republic Star ATM Charge (After 4 Free Transactions per Statement Cycle)
• $5 Phone Transfer
• $6 Overdraft Fee (per Business Day)
• $10 Cashier’s Check
• $10 Chargeback
• $12.50 Dormant Account (per Month)
• $25 Account Closure Fee (open < 12 months)
• $35 Overdraft Fee (per check or in-person, ATM or electronic withdrawal)
• $35 Returned Check
• $35 Stop Payment Request
• VAR Check Printing Order (Fee Depends on Style of Check Ordered)

Additional Disclosure Terms
Up to four non-Republic ATM fees reimbursed per statement cycle. Fees will be reimbursed on next business day.