Revised Fee Schedule

Important Message from

James Polk Stone Community Bank

To our loyal customers,

Thank you for having confidence in James Polk Stone Community Bank to take care of your banking needs. You have helped make us the strong and vital bank we are today.

We strive to provide you with solid bank products, outstanding customer service and the latest in banking technology while keeping our fees as low as possible. We make every effort to offer a no cost alternative to every service that we provide, allowing you to make the choice of paying a fee or not.

It has been over three years since our last increase in fees, but with the ever increasing burden of banking regulations and cost of security for bank technology, we have to make tough decisions that affect all of you, our customers.

According to New Mexico taxation rules, we must pay gross receipts on the majority of our fees. Rather than increasing the fee and adding on applicable taxes we made the decision to absorb the taxes in the increase.

Below is a list of our fees and the changes that will take effect on September 6, 2016.

Our purpose in life is to help our customers grow and prosper. We hope this includes you.

God Bless You,

David L. Stone

James Polk Stone Community Bank Fee Schedule
New Rates effective September 6, 2016
Fee Description Current Rates + GR tax New Rates
ATM Transactions
- Bank Owned ATMS No Charge No Charge
- Non-Bank Owned ATMS - Withdrawal 2.00 4.00
- Non-Bank Owned ATMS - Inquiry 0.50 1.00
Business Debit Card 10.00 No change
Cashier's checks 8.00 10.00
Cash Management Module
One time installation 115.00 No change
Monthly 35.00 No change
Check Cashing Fee/Non-deposit Customer 2.00 3.00
Check Image Copy 5.00 5.00
Check Printing (prices vary depending on style)
Closing Account
- Within 60 days of opening 25.00 No change
- Request by mail/balance sent by check 10.00 15.00
Collection Item 25.00 30.00
Continuous Overdraft Fee 3.00 4.00
     *$4 per day, beginning on the 4th consecutive business day overdrawn and every day thereafter
Credit/Debit Card Cash Advance 5.00 No change
Debit Card Replacement or Instant Issue 10.00 No change
Deposit slip books 2.00 3.00
Dormant Online Fee Monthly 5.00 No change
e-statement No charge No charge
Excess Activity in Money Market; per item over 6 4.00 No change
(Limit of 6 withdrawals per statement cycle)
Excess Activity in Savings; per item over 6 4.00 No change
(Limit of 6 withdrawals per quarterly statement cycle)
Text Message for debit card transactions 2.00 3.00
Fax 5.00 No change
Inactivity Fee 10.00 No change
When a savings account has been inactive for more than twelve months and the account balance is below $100 the account will receive a monthly inactivity fee that will be charged quarterly.
Inquiry (via telehpone) Fee; 4 free per month, fee thereafter 2.00 3.00
Locking Night Deposit Bags 25.00 30.00
Merchant Capture
- One time installation 115.00 No change
- Monthly 75.00 No change
Notary Fees; non customer 5.00 No change

Non-Sufficient (NSF) Item Paid Fee

     *applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means

30.00 35.00
Non-Sufficient (NSF) Check Return Fee 30.00 35.00
Online Banking Reconnect 2.00 No change
Paper Statement
- Consumer 3.00 5.00
- Business 5.00 10.00
Positive Pay; per item match 1.00 No change
Research/Account balancing 25.00 35.00
- per hour/1 hour minimum
Returned Check Fee 7.00 10.00
Safe Deposit Boxes (Available in Portales & Roswell North)
- 3 x 5 15.00 No change
- 5 x 5 17.50 No change
- 3 x 10 20.00 No change
- 5 x 10 25.00 No change
- 10 x 10 55.00 No change
Safety Net Line of Credit Advance Fee 30.00 35.00
"Snapshot" of account activity 2.00 3.00
Statement Reprint/Duplicate Statement 5.00 No change
Stop Payment Fee 25.00 30.00
Tax Levy/Garnishment/Subpoena 50.00 75.00
Telephone Transfer 2.00 3.00
Temporary Checks; for 10 checks 2.00 3.00
Transfer Fee; auto overdraft transfer, per transfer 2.00 3.00
Wire Transfers
- Outgoing 25.00 30.00
- Incoming 5.00 10.00
- International 50.00 60.00
Zipper Bags 2.00 5.00
External Transfers N/A 1.00 per transaction
Mobile Deposit N/A 1.00 per item