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United Mississippi Bank
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UMB Fee Schedule

FEES and CHARGES 
UMB Associated Account Fees
The following fees and charges may be assessed against your account:

Check printing fees vary by the style of check ordered.  
ACH Origination Conversion and Set Up (one time fee)  $50.00
ACH Origination per Account, Per Application (payroll, ect...)  $25.00
ACH Per Item Originated $0.10
ATM Withdrawals at Machines Not Owned or Operated by UMB *  $1.00
ATM/Debit Card Replacement  $5.00
Bond/Coupon Redemption (collection item) $25.00
Check or Drafts Sent for Collection (excluding postage)  $25.00
Counter Checks $0.50
Deposit Verification  $10.00
Deposited Items Returned Unpaid   $3.00
Dormant Account with Balance Less than $100 (fee charged per quarter)  $3.00
Duplicate Statement Fee  $5.00
Early Account Closing Fee for Checking and Savings Accounts (within 90 days of opening)  $20.00
Fax Copies (customers only)  $0.50
Foreign Outgoing Collection  $60.00
Mobile Deposit Capture (no charge) (Consumer Accounts) 
Night Depository Lock Bag (no charge for first bag)  $20.00
Official Check Fee (per check)  $5.00
Online Banking for Consumer Accounts (no charge)  
Online Bill Pay for Commercial Customers  $5.95
Online Bill Pay for Consumer Customers (no charge)
Online Cash Management for Commercial Customers (no charge for basic service)
Overdraft Fee (Per item for covering overdrafts created by check, in-person  
withdrawal, ACH or other electronic means.) $35.00
Overdraft Fee Under Bounce Protection (Per item charge for overdrafts created by check, draft, ACH or other electronic means. Refer to bounce protection overdraft disclosure.)  $35.00
Overdraft Sweep Transfer  $5.00
Photo Copies (per copy)  $2.00
Reconciliation of Account Per Hour (minimum 1 hour)  $15.00
Remote Deposit Capture for Commercial Customers (monthly service fee)**  $75.00
Research Fee Per Hour (minimum $15.00)  $30.00
Returned Item Fee (per Item for returns created by check, ACH or other electronic Means)  $35.00
Safe Deposit Box Drilled  $125.00
Safe Deposit Box Replacement of Damaged Key  $5.00
Safe Deposit Box Replacement of Lost Key  $125.00
Snapshot Statement Fee  $2.00
Stop Payment Fee  $35.00
Unauthorized or Improper ACH Debit Return  $5.00
Wire Transfer Domestic Incoming (no charge)
Wire Transfer Domestic Outgoing  $20.00
Wire Transfer International Incoming  (no charge)
Wire Transfer International Outgoing  $50.00
Zipper Bag (Large)  $2.00
Zipper Bag (Small) $1.50

* Other fees may apply when conducting transactions at non UMB ATM machines, in addition to fees charged by the ATM machine owner operator and/or for each foreign cash withdrawal, inquiry or transfer, even if conducted together or in succession. 
** Compatible scanner may be provided (if needed) at bank cost. Per item cost is the same per item check fee as disclosed in the Commercial Account Agreement. Remote Deposit Capture fees may be analyzed.