Copyright © 2008 The Simsbury Bank & Trust Company. All Rights Reserved.
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To view interest rates for CDs, savings or checking accounts, please click on "Deposit Rates" below. For home, auto,
or consumer loans, please click on "Loan Rates". To review our fees and charges, please click on "Fees".
Fees & Charges
Sections: General Service Fees, Personal Account Maintenance Fees, Business Account Maintenance Fees, Safe Deposit Box Fees
Fees below effective April 1, 2011.
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Check Printing |
Varies |
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Check Collection |
$20.00 |
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Electronic Stop Payment |
$25.00 |
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In-Branch Statement Reprint |
$4.00 |
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International ATM transaction1 |
$3.00 |
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IRA transfer (out) |
$25.00 |
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Legal Processing |
$45.00 |
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Lost/Stolen ATM/Debit Card |
$15.00 |
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Notary (for customers only) |
Free |
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On-us Check Cashing (for non-Bank relationships) 2 |
$5.00 |
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Overdraft/Uncollected Fee 3 |
$35.00 |
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Research (per hour) |
$35.00 |
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Research (per page) |
$2.00 |
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Return Deposited Item |
$15.00 |
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Savings Excess transaction Fee 4 |
$10.00 |
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Savings Overdraft transfer |
$5.00 |
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Signature Guarantee (for customers only) |
Free |
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Statement Balancing (per hour) |
$25.00 |
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Stop Payment |
$20.00 |
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Temporary Checks (six) |
$5.00 |
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Treasurer’s/Cashier’s Check (for customers only) |
Free |
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Foreign Check Collection |
$30.00 |
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Foreign Currency Order |
$25.00 |
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Foreign Currency Redeemed |
$25.00 |
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Foreign Drafts (Purchase Foreign Checks) |
$35.00 |
| Domestic - Outgoing |
$20.00 |
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Domestic - Incoming |
$12.00 |
| International - Outgoing |
$35.00 |
| International - Incoming |
$15.00 |
| Checking, per month after six months of
no activity and balance is less than $200 |
$5.00 |
Savings, per month after one year of
no activity and balance is less than $200 |
$5.00 |
| Personal Accounts |
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| All access and functions of SBT Online, including unlimited number of Bill Payment transactions |
Free |
| Business Accounts |
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| Access to SBT Online and Bill Payment |
Free |
| Monthly ACH access fee (for up to 300 transactions) |
$20.00 |
| ACH per item within file (no per-file fee) |
$0.15 |
| Wire access per month 6 |
$25.00 |
| - Per outgoing domestic wire 7 |
$12.00 |
| - Per incoming domestic wire |
$12.00 |
1 ATM transactions at overseas U.S. Military bases are free
2 Fees are assessed to individuals cashing on-us non-payroll checks without
a deposit or loan relationship
3 Applies to overdrafts created by check, in-person withdrawal, and non-card-related electronic transactions
4 See separate disclosure for definition
5 Plus shipping & fees from corresponding bank
6 Subject to Simsbury Bank approval
7 International wires not available online |
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| $25,000 combined balances in checking, savings, money markets, CDs, retirement
accounts, HSAs and consumer loans to waive service charge |
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Service charge of $10.00/month 1 |
| Refer to Pinnacle brochure for program details |
| $15,000 combined balances in checking, savings, money markets, CDs, retirement
accounts, and HSAs to waive service charge |
| Service charge of $10.00/month 1 |
| Refer to Pinnacle brochure for program details |
| $500 minimum balance or a combined balance of $2,500 in this and Savings or CD
account to waive service charge |
| Service charge of $8.00/month 1 |
| $200 minimum or $1,500 combined balance in this or a Savings or CD account to
waive service charge |
| Service charge of $8.00/month 1 |
| No service charge or minimum balance requirement |
| No minimum balance required |
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No monthly service charge for customers age 55+ |
| Tiered Rate Checking Account: |
| $2,500 minimum balance to waive service charge |
| Service charge of $3.00 1 (waived for first two years) |
| $10 enrollment fee (waived if employer referral to SBT) |
| High Yield CD: |
| $500 minimum balance |
| No annual or monthly fee when linked with HSA Tiered Checking |
| $20.00/year if no HSA Tiered Checking (for those no longer eligible to make contributions) |
| $200 minimum balance to waive service charge |
| Service charge of $2.00/month 1 |
| $2,500 minimum balance to waive service charge |
| Service charge of $10.00/month 1 |
| $500 minimum balance 2 |
| $500 minimum balance 2 |
1 Monthly service charge if account falls below minimum balance
2 Penalties for early withdrawal. See account disclosure for more details |
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| No monthly maintenance fee |
| No minimum balance required |
| $0.50 per transaction 3 over the 500 free per month |
| $13 Monthly service charge |
| $0.15 per debit transaction 3 |
| $0.12 per credit transaction 3 |
| Competitive earnings credit applied on monthly average collected investable
balance which can reduce or eliminate the monthly maintenance and transaction fees.
The investable balance is the average daily collected balance reduced by 10%. |
| $500 minimum balance to waive service charge |
| Service charge of $5.00/month 1 |
| $2,500 minimum balance to waive service charge |
| Service charge of $10.00/month 1 |
| 3 “Transaction” for all business checking accounts types is defined as a
deposit, deposited item, cash withdrawal, check paid, automatic transfer, ATM, ACH,
SBT Online transfer, debit card or Bill Pay transaction. |
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3x5 |
$55.00 |
$110.00 |
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5x5 |
$75.00 |
$150.00 |
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3x10 |
$85.00 |
$170.00 |
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5x10 |
$115.00 |
$230.00 |
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10x10 |
$175.00 |
$350.00 |
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Per key |
$20.00 |
$30.00 |
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As determined by bonded security company |
$125.00 to $150.00 |
$250.00 to $300.00 |
| 4 New boxes available only to customers with loan or deposit accounts. |
Fees subject to change with notice.
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