Attached is a schedule of fees from a bank (you can also choose to find the fee schedule from a bank that you are personally familiar with). Choose any two items and discuss how the bank would have arrived at the amount to charge for that particular service (i.e. what cost drivers would be associated with the service to arrive at the amount to be charged).
Checks International Money orders......... -........ $ 5.00 Collections items (plus correspondent fee) ........ -.......... $ 17.50 Official checks ............." . .me..."...:.. $ 8.00 Foreign bank drafts (purchased) ................- ....... $ 25.00 ATM/Debit Cards Foreign currency bank notes (orders $250 and above)....... ..... $ 7.50 Transactions conducted at TD ATMs in the U.S. and Canada Foreign currency bank notes (orders less than $250) ....... $ 17.50 Free Account Services Each withdrawal, transfer, & balance inquiry conducted at a non-TD ATM'.... $ 3.00 Check & ACH Stop Payment (per item).... $ 30.00 Debit transactions (signature and PIN)................. Free Paper statement (per statement cycle)............ $ 1.00 Funds Transfers Printed check images with paper statement (per statement cycle) $ 2.00 External transfers (to/from other institutions) Overdraft Services 3 day delivery from other institutions....... Free Overdraft protection transfer fee (per daily transfer) .. ....... $ 3.00 3 day delivery to other institutions ..... Free Overdraft - return (NSF)/overdraft - paid (per item)" ........ .... $ 35.00 Next day delivery to/from other institutions.. Free Other Bill Pay Levy/legal order ..........* *#24 45454.*.* * * *.*:"."" ......... $125.00 Scheduled or Next Day Bill Payment... -... Free Excess pre-authorized withdrawals, transfers or Rush Bill Payment ....... ....... $ 2.00 checks (Money Market/Savings) (per item)........................ $ 9.00 Send Money with Zelle" (to/from other people) Excess withdrawal (per item - for Club accounts only)"... ........ $ 3.00 Delivery to others within minutes.. Free ATM/Debit card research...................""; $25.00/hour Request funds from others ....... Free Cashed or deposited item returned (per item)....... ....... $ 15.00 3 day delivery..... Free Copies Wires Statement copies.............* *#*;;;*:":":"" -. .. .".".". Free Incoming wire (domestic & international). -.......... $ 15.00 Statements with check copies &/or deposit slips only ...... ..... $5.00/statement Outgoing wire (domestic)........ .... $ 25.00 Deposit reconstruction................. .. $5.00/transaction Outgoing wire (international) ...... $ 40.00 Statements with check copies AND deposit reconstructions... .. $25.00/statement Please note: For transactions conducted at non-ID ATMs, the institution that owns the terminal (or the network) may assess a fee Gift Cards (surcharge) at the time of your transaction, including for balance inquiries. In certain instances, we will reimburse you for these fees. Please Gift Cards available in amounts from $25 to $750 (per card)'...........No purchase fee see the chart below for details. 2 Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill number of pre-outhorized transactions done in the statement cycle. We may impose a fee for each withdrawal in excess of six (6) that Payments, Beyond Checking accounts will be reimbursed for Rush Bill Payment fees. you make in any monthly period (based on your statement date). Please refer to the Personal Deposit Account Agreement for details. Subject to limitations under applicable state laws. We may impose a fee for each withdrawal in excess of three (3) that you make in any monthly period. Please refer to the Personal "The fee applies to a maximum of five (5) items per day per account. Deposit Account Agreement for details. The fee will be waived for Savings Overdraft Protection transfers. However, Savings Overdraft Protection transfers will be counted in the total Other fees may apply. See Terms & Conditions for more information. Some fees are waived (v) for certain accounts, as described in this chart. Official Check Incoming Stop Check Excess Pre-Authorized Non-TD Overdraft Paper Fee and Money |Wire Fee Payment Image withdrawals, transfers, ATM Protection Statement Order Fee Fee Fee or checks Fee Transfer Fee Fee TD Beyond Checking TD 60 Plus Checking TD Convenience Checking TD Preferred Savings V Private Tiered Checking TD Private Tiered Savings All Other Personal Savings Accounts Individual Development Products Family Development Products *Overdraft Protection Transfer Fees waived if the primary account holder is age 17 to under 24 years of age; upon the primary account holders 24th birthday, the account will be subject to an Overdraft Protection Transfer fee of $3 per daily transfer
