Fee Schedule Effective 03-15-2017

About our Service Fees

Texas Security Bank makes every effort to provide high value products and services at fair and reasonable rates. By opening your account, you agree to the fees described in this schedule. When using your TSB account(s), you will pay fees for conducting specific transactions and for using specific services. Fees may vary based on the type of account you have, how you use your account, or where a transaction is performed. Your account may be charged fees during a statement period other than the one in which the activities or services that caused the fee to occur. We may change this schedule at any time and additional charges may apply for specialized services not listed. If required by law, we will notify you if changes, additions, or deletions to this schedule occurs. If you have a question about a fee on this schedule, please contact your banker or call our help desk at 469-398-4884.

About Analysis Pricing

Texas Security Bank determines service charges for certain noninterest-bearing checking accounts through Account Analysis. Analysis allows a“credit” or earning credit to be earned based on the balance in your account(s). The earnings credit will be calculated using the earnings credit rate (ECR) in effect during the specificstatement period. This credit may partially or fully offset the monthly analysis charge. If the earnings credit exceeds the total analysis charge for the statement period, then there will be no analysis charge. Excess earnings credit does not carry over from one statement period to the next.

Additional Fees and Charges

Collections
Domestic Check $12.00 per item
International $32.00 per item
Auto Drafts $20.00 per draft
*The bank may charge for overdrawing your account. This fee would apply to overdrafts "created by check, in-person withdrawal, ATM withdrawal, or other electronic means", as applicable.
Non-Sufficient Funds Fee (NSF)*
NSF for paying items $38.00 per item
NSF for returning items $38.00 per item
Foreign Currency Exchange
Buying/Selling $25.00
Delivery Charges for purchases under $1000 Overnight: $25.00 - 2-Day: $15.00
*Orders over $1000 USD have no delivery charge
Wire Processing
Incoming Wires: $12.00 per Wire
Outgoing Domestic In-Person: $30.00 - Fax/Manual:$75.00
Outgoing International USD* In-Person: $40.00 - Fax/Manual:$75.00
Email or Fax Confirmation $5.00 per wire
*International wires sent in a foreign currency will incur additional charges based on the current exchange rate at the time of the request. International wires sent with no US correspondent may also incur additional processing fees.
Popmoney® (online money transfer service available via online bill pay)
Sending via Standard Delivery (fees vary by amount) $0.50/$0.75/$1.50
Sending via Express (Next Business Day) $0.85/$1.00/$2.00
Requesting Money (fee varies by amount) $0.50/$0.75/$2.00
*limits may apply - see terms and conditions for all program details
Statement Services
E-Statements No charge
Paper Statement $5.00 - month/account
Statement Copies Electronic/Paper - $5.00/$10.00 per statement
Schedule of Fees for Other Miscellaneous
Accounts closed in Overdraft Position and/or within 90-days of opening $100.00
Special Handling Fee Up to $25.00 per occurrence
Account Reconciliation and/or Research (1 hour min) $50.00 per hour
Currency (Cash) in and/or out in excess of $5,000 per statement cycle $1.50 per $1000
Deposit/Cashed Item Return Fee (Charge Backs) $20.00 per item
Deposit Verification $15.00 per request
Garnishment/Levies/Legal Processing $300.00 per request
Stop Payment Fee Online: $20.00 - Manual: $40.00
Money Service Business (MSB) Monitoring Fee Up to $500.00 per account
Safe Deposit Box Prices vary by size
Night Deposit Bags/Keys Prices vary by size & type
Check Printing Prices vary by selection

Account Analysis & Cash Management Service Fees

Earnings Credit Rate (ECR)
The ECR is a variable rate and subject to change. 0.30% as of 03-15-2017
Transaction Processing Fees
Per Branch Deposit $1.00
Per Item Deposited $0.20
Per Check/Debit Cleared $0.20
ACH Debits/Credits $0.15
Statement Services
Standard E-Statement No charge
Standard Paper Statements $5.00 per month
Analysis Statement $5.00 per month
Currency Processing
Cash Deposit $1.50 per $1000
Cash Withdrawal/Purchase $1.50 per $1000
Smart Safe Processing $150 per safe/month
*Additional cash services are available via our cash courier services. Prices will vary based on type of service, route and schedule and can be quoted on a per client basis.
Wire Transfer Services
Wire Manager Module (Dual Control) $10.00 per month
Wire Manager Module (Single Control) $20.00 per month
Wire Manager Module (Per Account) $2.50
Incoming Wires $12.00
Single Control Non-Verification Fee $10.00 per wire
Outgoing Domestic Online: $15.00 - In-Person: $30.00 - Fax: $75.00
Outgoing International USD* Online: $25.00 - In-Person: $40.00 - Fax: $75.00
Request for Manual Confirmation $5.00 per wire
Wire Transfer Services require the use of a token security device. Daily and Transaction limits may apply. Wire transfers processed after the daily cut-off time will process on the next business day.
*International wires sent in a foreign currency will incur additional charges based on the current exchange rate at the time of the request. International wires sent with no US correspondent may also incur additional processing fees.
ACH Origination Services
ACH Manager Module (Dual Control) $25.00 per month
ACH Manager Module (Single Control) $40.00 per month
ACH Manager Module (Per Account) $2.50
Single Control Non-Verification Fee $10.00 per file
ACH Debits/Credits Originated $0.15 per item
ACH Batch Files Originated $1.50 per batch
Same Day ACH Up to $5.00 per file
ACH Returns $10.00 per returned entry
ACH Origination Services require the use of a token security device. Daily and transaction limits will apply and require approval prior to processing. ACH files originated after the daily cut-off time will be processed on the next business day.
Electronic Deposit Services
Merchant Capture AA Module (per scanner) Multi-Feed Scanner: $35.00 - Single-Feed Scanner: $20.00
Merchant Capture Non-AA Module (per scanner) Multi-Feed Scanner: $50.00 - Single-Feed Scanner: $35.00
Merchant Capture Module (per Account) $2.50
Merchant Capture Deposits $0.25
Merchant Capture per Item $0.20
Mobile Deposit w/business or commercial checking $10.00 per month
Electronic deposits made after the daily cut-off time will not post until the next business day. All items deposited are subject to review and may be rejected due to poor image quality, invalid endorsement, etc.
Fraud Prevention Services
Positive Pay/all modules $50.00 per month
ACH Positive Pay Module $30.00 per month
Positive Pay Per account $2.50
Check Positive Pay Module $30.00 per month
*ACH Blocking – this service blocks ALL ACH debits and/or credits. There is no reporting and no ability to pay/return specific items.
Transfer & Sweep Services
Manual Transfers (Transfer completed by phone/fax/email) $10.00 per transfer
DDA Sweeps including ZBA (zero balance) transfers $7.50 per month per account
Loan Sweeps $100 per month per loan
Lockbox Services ~ Services offered via partnership with BancTec®
Basic Processing $0.40
Additional Check Copies $0.15
Additional Data Input $0.03
Hand Written Notations $0.10
Special Stapling $0.10
Payee Verification
  • Less than 10: N/C
  • 10-19: $0.12
  • 20-29: $0.17
  • More than 30: Quote
Exceptions (per item) $0.25
Special Sorting Tier 1 $0.10
Special Sorting Tier 2 $0.12
Special Sorting Tier 3 $0.18
Special Report Prep $30.00
Fax (per Page) $0.66
Foreign Item $5.25
Document Imaging $0.10
Archival Ingestion $0.03
Long Term Archive $0.03
Online Access/Archive $50.00
Research per hour $50.00
Image/check copies $0.55
PO Box Rental $145.00
Programming Request $135.00
Overnight Courier $18.50
Internal Box Forward $45.00
BancTec DirectCourier $26.00
Data/Image Transmission $100.00
Exception Depot $35.00
Mail Forward $95.00
Early Termination $225.00
Doc Retention 30 N/C
Doc Retention 60 $35.00
Doc Retention 90 $65.00
Fax Reports $55.00
Email Report $50.00
Mailed Report N/C
Monthly Minimum Charge $100.00