Important Information Effective December 19, 2017

All About Your Account(s) – Terms and Disclosures: Cross County Savings Bank is amending its All About Your Account(s) - Terms and Disclosures. We are making these changes in order for you to better understand the terms and conditions of your Cross County Savings Bank account(s). To receive a copy of our amended All About Your Account(s) - Terms and Disclosures, please visit your local branch and request a copy, or request a copy by telephone at (718) 326-6300 to receive a free copy by mail.

Payment Order of Items: Cross County Savings Bank will be changing the order in which pending items are paid from your account(s). Payments will be processed in the order in which they are received. Transactions will be sorted in a low-to-high dollar amount order, and paid in the order in which batches are received periodically throughout the day. However, real-time transactions will continue to be paid in the order in which they are received by the Bank. We are communicating this change to you in order to help you manage your account(s) in light of these upcoming changes. For more details about this change, please visit your local branch and request a copy of the All About Your Account(s) - Terms and Disclosures, or request a copy by telephone at (718) 326-6300 to receive a free copy by mail.

Passbook & Statement Savings:   Cross County Savings Bank will be changing the amount required to open an account and the method used to determine whether a monthly maintenance service charge may be assessed.  A minimum of $100.00 deposit will be required to open a Passbook or Statement Savings Account.  In the event that the daily balance of a Passbook or Statement Savings Account falls below $100.00 during a statement cycle, a monthly maintenance service charge may be assessed.

Fee Schedule: Cross County Savings Bank will be amending its Fee Schedule.  Please see an itemized list below of the fees that are being amended.  To receive a copy of our amended Fee Schedule, please visit your local branch and request a copy or request a copy by telephone at (718) 326-6300 to receive a free copy by mail.

Fees Effective as of December 19, 2017

Old

New

Abandoned Property Handling Fee

N/A

$20.00

ATM Foreign Transaction Fee

$1.00

$2.50

Insufficient Funds Charge (Per Item – For Consumer Accounts)

$30.00

$34.00

Insufficient Funds Charge (Per Item – For Business Accounts)

$30.00

$50.00

Legal Processing Fee

$100.00

$125.00

Maintenance Service Charge – Business Checking

$15.00

$20.00

Maintenance Service Charge – Preferred Checking

$1.50

$2.50

Maintenance Service Charge – Savings Accounts

$4.00

$5.00

Premium OD Fee (Per Item Paid)

$30.00

$34.00

Reg. D Excess Debits Fee

$8.00

$10.00

Return Mail Handling Fee

$5.00

$7.00

Signature Guarantee Fee

$5.00

$10.00

Stop Payment Negotiable Item

$15.00

$25.00

Uncollected Funds Charge – (Per Item - For Consumer Accounts)

$30.00

$34.00

Uncollected Funds Charge – (Per Item - For Business Accounts)

$30.00

$50.00