IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS

from

River Falls State Bank
124 S. Second Street
P.O. Box 89
River Falls, WI 54022
715 425 6782

BUSINESS CHECKING ACCOUNT DISCLOSURE

Credit offset - This account features an earnings credit which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward, or otherwise receive credit for any excess earnings credit.

The earnings credit will be set at 3 points below the Prime Rate.  At any time and at our discretion, the periodic earnings credit rate may change. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing by the number of days in the period. The period we use is the monthly statement cycle.

You do not need to maintain any minimum average daily balance during the monthly statement cycle in order to receive the credit.

Earnings credit begins to accrue on the business day you deposit noncash items (for example, checks).

Deposit limitations - You may make an unlimited number of deposits into your account.

Fees & Charges - The following fees and charges apply to this account:

• Monthly fee: $5.00 per month *
• Per check/debit fee: We impose a per check/debit fee of $0.17*
• Checks deposited: We impose a per check fee of $0.07*
• $3.00 per check service charge for checks returned by another bank
• $10 service charge per stop payment order

*The combined total of the three fees shown above will be assessed as "Service Charge" on your monthly statement.

Please balance your statement within 10 days of receiving it. In the event of an error bring it to our attention immediately by contacting our bookkeeping department.

You may request up to 10 copies of checks per year with out charge if you are a check safekeeping customer. Each additional copy in excess of 10 will be charged $1.00.

Please notify us if checks are lost or stolen. A stop payment order is $10.00. Your stop payment is good for 6 months and must be signed within 10 business days from the date the request was made.

Deposits after 3:00 p.m. will be credited to your account at the close of the next business day.

In the event your account becomes overdrawn, your checks may be returned depending on the amount of the overdraft and a fee will be charged to your account. See the Limits and Fees disclosure for Overdraft fees.

Frequent overdrafts will result in a checking account being closed.

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

For all other service charges and fees please click here for Fees & Service Charges.

* In compliance with Truth In Savings Regulations