State Bank of Southern Utah Fee Schedule	Cost (Effective 10/1/11)
	2-Signature Confirmation – Bank calls to confirm a check that is presented without required signatures	$10
	Account Closure – If within 6 months of opening and no other account relationship exists with SBSU	$25
	Bill Pay1 – Standard fee unless qualifications are met for free bill pay (see below)	$5/mo for 15, then 50¢ each
	For Free Bill Pay convert to E-statements or get an Emerald Elite checking account	No charge
	Cashier's Checks or Money Orders	$2 each
	Collection Exchange – SBSU exchanges NSF deposit item for good funds at another bank	$25
	Dormant Account – Per month after inactivity Period (1 Year Checking, 3 Years Savings)	$5
	Excessive Withdrawals – Per item after 6 per month
	Money Market	$10
	Savings (ATM withdrawals unlimited)	$5
	Foreign Non-Canadian Check Processing2 – Processing foreign check other than Canadian	$25 per check
	Foreign Canadian Check Processing2 –Processing Canadian checks (whether in U.S. funds or Canadian)	$1.50 per check
	Foreign Currency2 – Allow time for delivery	$25 per order
	Foreign Draft2 –Allow time for delivery	$10 per draft + $25 handling
	Foreign Draft Buyback2	$10 per draft
	Gift Cards3 – Single Load, Value $10 - $1,000 per card
	1-9 cards	$5.00 each
	10 or more cards	$3.50 each
	25 or more cards with custom name imprint	$3.50 each
	Legal processing – Garnishment / Levy	$25 per instance
	Notary Public
	Account-holders	5 pages free then $1 each
	Non-account holders	$5 flat fee + $1 per page
	NSF/Return Check1	$25 each
	Overdraft /Check Paid Against Insufficient Funds – Consumer accounts limited to fee occurrence of 4 per day for covered checks	$25 each
	Interest rate applied to Overdrawn Accounts – Charged at the end of the monthly cycle	18% per annum
	Research / Reprints / Miscellaneous
	Statement Reprint	$3 each
	Check Copy	$1 per page
	Research by bank personnel	$25 / hr
	Fax	$2 per page
	Miscellaneous Copies	$1 per page
	Return Deposit Item Processing	$3
	Return Mail / Bad Address	$5
	Stop payment	$25
	Transfer / Overdraft Prevention – Bank initiated to prevent an overdraft, including SureCash transfers	$3
	Teller or Employee Assisted Transfers
	Between accounts at SBSU	$3
	Convenience Transfers that involve other insititutions	$10
	Wire Transfers
	Incoming (except customers on Account Analysis)	$0
	Incoming for Account Analysis customers (soft charge)	$2
	Outgoing Domestic	$15
	Outgoing International with US correspondent & RTN	$35
	Outgoing International with unknown US correspondent	$70

1. Note for Bill Pay users: A $20 NSF fee may also be charged by CheckFree if a debit to fund a bill pay is returned. Bill Pay users may therefore incur $45 in NSF fees for one bill pay –$25 immediately from SBSU and $20 from CheckFree at month end.
2. Contact the Assistant to the CFO at 435-865-2312
3. Contact Card Dept at 435-865-2331 for more information