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Bank Rates and Fees
The Bancorp Bank USA

Rates

Daily Balance Interest Rate paid Annual Percentage
Yield paid
>= $0.01 and <= $999.99 2.23% 2.25%
>= $1,000.00 and <= $4,999.99 2.23% 2.25%
>= $5,000.00 and <= $49,999.99 3.20% 3.25%
>= $50,000.00 and <= $99,999.99 3.20% 3.25%
>= $100,000.00 and <= $999,999.99 3.20% 3.25%


Fees

Health Savings
Account		 Health SavingsPlus
Account
Monthly Account Fee $0* $0*
Monthly HSA PLUS Fee N/A $4
Debit Card Free Free
Online Banking Free Free
eStatement Free Free
Bill Payment Free Free
Pays Interest Yes Yes
Investment Option No Yes
Minimum Deposit No No
FDIC Insured Yes Yes - On the checking
portion of the account
No - On the invested portion of the account


Account Processing Services
Return Notification of large (>$2,500) NSF item $25.00
Overdraft Fee $29.50
Continuous Overdraft Fee $3.00 per day after the 3rd day
Stop Payment Fee $27.50
Stop Payment Fee when entered online $15.00
Automatic Funds Transfer Set up $15.00
Automatic HSA Savings Plan Set up Free
Bill Payment Free
Checks (Subject to Change) $15.97 for book of 50 duplicate checks


Star/Cirrus Fees
HSA Debit Card Free
Additional Card Free
Replacement Card Free
Withdrawals at First American ATM Free
Withdrawals at Non-First American STAR ATMs Free
8 Free per month with Direct Deposit
($1 each over 8 withdrawals per month)
Withdrawals at Non-First American STAR ATMs Free
4 Free per month without Direct Deposit
($1 each over 4 withdrawals per month)
Cirrus ATM Withdrawals Free Checking: $2.00
Student Checking: $1.50
Any other account: $1.50
Card Replacement Fee $5.00
Deposits and Transfers at all ATMs Free


Check Services
Foreign Draft $35.00
Collection Services $20.00
Non U.S. Checks Deposited Canadian in USD (<$5,000): $3.50
Canadian in CAD (<$5,000): $3.50 (plus exchange fees)
Foreign Currency: Market price
American Express Traveler’s Cheques $1.50 per $100.00
Official Check $5.00
Manual Check Processing Fee $1.00
Re-issue of Lost Interest Check $20.00


Special Services
Research $90.00 per hour
(Minimum Charge: $40.00)
Account Verification $10.00
Copy of Statement $10.00
Copy of Canceled Check or Deposit $5.00 per item
>90 days: $7.50 per item
Copy/Dup statement with enclosures $15.00
Audit Confirmation $20.00
Funds Verification $5.00
Auction Letter $50.00
CD Rom of Stmt w/Images Annual: $15.00
Monthly: $15.00
Check Images fronts and backs: $5.00
fronts: $3.00


Transfer Fees
ACH Incoming Free
Customer Requested Transfer $10.00
Outgoing Wire Transfer $22.50
Outgoing Repetitive Wire Transfer $10.00
International Wire Transfer $35.00
Incoming Wire Transfer $6.00
Account Link Transfer $9.00


Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $0.01 to open this account. If you close your account before interest is credited, you will not receive the accrued interest. Accrued interest will be paid when the entire balance of the closed account is transferred to a new First American Bank Health Savings Account.

Account Fees: Monthly paper statement fee: $3.00.The fee will be waived if; 1) the customer elects to receive eStatements only; or 2) a combined minimum average daily balance of $2,000 is maintained between the checking portion of the Health Savings Account and an associated checking, NOW, savings or money market account.

The following fees apply to this account: Non-standard withdrawal are $10 – includes Excess Contributions, Corrections of Prohibited Withdrawals or Transfers; Images Returned - Front only; Electronic statement provided at no charge; front and back images are $2.00; Optional STAR/Cirrus services available: see service fee schedule. Fees may reduce earnings on this account.

This Account consists of a checking sub account and a savings sub account. The Bank may periodically transfer funds between these two sub accounts. On a sixth transfer during a calendar month, any funds in the savings sub account will be transferred back to the checking sub account. If your Account is a Plan on which interest is paid, your interest calculation will remain the same. Otherwise, the savings sub account will be non interest bearing. The savings sub account will be governed by the rules governing our other savings accounts. This process will not affect your available balance, the interest you may earn, FDIC insurance protection, or your monthly statement. 

*A $3.00 monthly fee will be charged if the customer elects to receive a paper statement.  The fee will be waived if; 1) the customer elects to receive eStatements only; or 2) a combined minimum average daily balance of $2,000 is maintained between the checking portion of the Health Savings Account and an associated checking, NOW, savings or money market account.

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