Personal Deposit Account Fee Schedule

Personal Deposit Account Fee Schedule
Sovereign Banking Packages—Summary of Account Services
CHECKING ACCOUNTS
SAVINGS AND MONEY MARKET SAVINGS ACCOUNTS
TYPE OF ACCOUNT
MINIMUM OPENING
DEPOSIT
Sovereign Premier Checking $25 Combined balance of deposits, loans and investments of $20,000 A
Sovereign Preferred Checking $25
CONDITION TO AVOID MONTHLY FEE MONTHLY FEE SOVEREIGN DEBIT/ATM CARDS
$2,500 average daily balance, combined average daily balance in
checking and savings of $7,500, or direct deposit
$30
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Sovereign Premier Debit MasterCard ® or ATM Card with no annual or monthly fee and no fee
to use other banks’ ATMs in the U.S. J
$15 Sovereign Debit MasterCard or ATM Card with no annual or monthly fee
Sovereign Classic Checking $25 $500 average daily balance $5 Sovereign Debit MasterCard or ATM Card with no annual or monthly fee
Sovereign Basic Checking K $25 Minimum of 5 Debit Card purchases in a statement period $8 Sovereign Debit MasterCard or ATM Card with no annual or monthly fee
Sovereign Flat Fee Basic Checking I $25 None $3 Sovereign Debit MasterCard or ATM Card with no annual or monthly fee
Sovereign Student Checking B $10 None None
Business Owner Premier Checking C $25
TYPE OF ACCOUNT
MINIMUM OPENING
DEPOSIT
Premier Money Market Savings D $10
Classic Savings $10
Basic Savings K $10
Combined balance of deposits, loans and investments of $15,000,
maintaining a combined average daily balance of $10,000 in checking
and savings, $5,000 average daily balance in checking, or 3 Debit Card
purchases in a statement period A
CONDITION TO AVOID MONTHLY FEE MONTHLY FEE SOVEREIGN DEBIT/ATM CARDS
No fee with Sovereign Premier Checking or
$10,000 average daily balance
No fee with Sovereign Classic Checking or
$100 average daily balance
No fee with Sovereign Basic Checking or
$100 average daily balance
$10
Sovereign Debit MasterCard or ATM Card with no annual or monthly fee and no fee to
use other banks’ ATMs in the U.S. J
Sovereign Premier Debit MasterCard or ATM Card with no annual or monthly fee and no fee
to use other banks’ ATMs in the U.S. J
$10 ATM Card with no annual or monthly fee
$3.50 E ATM Card with no annual or monthly fee
E $3.50 ATM Card with no annual or monthly fee
Sovereign Savings K $10 $250 average daily balance $1 E ATM Card with no annual or monthly fee
Money Market Savings $10 $2,000 average daily balance $10 ATM Card with no annual or monthly fee
IRA Money Market Savings $10 None None N/A
Preferred Money Market Savings G $10
Statement Savings $10
Passbook Savings $10
No fee with Sovereign Preferred Checking or
$2,000 average daily balance
No fee with Sovereign Classic Checking or $100 average
daily balance
DE, MD, NJ, NY, PA: $1,500 average daily balance
CT, MA, NH, RI: $100 average daily balance
$10 ATM Card with no annual or monthly fee
$3.50 E
Mid-Atlantic: $5 E
New England: $3 E
Savings for Minors K $1 None None N/A
Individual Development Account F $5 None None N/A
ATM Card with no annual or monthly fee
Triple Your Interest Savings $10 Recurring automatic transfer from Sovereign Checking Account $3.50 ATM Card with no annual or monthly fee
Sovereign Student Savings H $10 None None ATM Card with no annual or monthly fee
Goal Savings $10
Recurring, automatic transfer from a Sovereign Checking Account or from
another financial institution via ACH transfer
A Mortgages, student loans, credit card balances, unsecured personal loans and lines of credit issued by FIA Card Services, N.A. and the unused portion of any Sovereign credit
line are not counted as part of the combined balance. See Personal Deposit Account Agreement for details on how we calculate combined balance.
B Primary account holder must be a student between the ages of 16-25. When the primary account holder reaches age 26, the account may be converted to a Sovereign Classic
Checking Account.
C Business Owner Premier is only available to business owners and authorized signers on a business checking account with Sovereign Bank. If you do not maintain a business
checking account at Sovereign Bank, your Business Owner Premier Checking Account will be converted to a more appropriate checking account.
D If you do not have a Sovereign Premier Checking or Business Owner Premier Checking Account, your Premier Money Market Savings Account will incur a $10 monthly fee if
the average daily balance falls below $10,000.
E Waived upon request if age 60 or older.
1.877.SOV.BANK (1.877.768.2265)
sovereignbank.com
N/A
$3.50 ATM Card with no annual or monthly fee
F An Individual Development Account requires participation with a non-profit agency’s IDA program.
G If you do not have a Sovereign Preferred Checking Account, your Preferred Money Market Savings Account will incur a $10 monthly fee if the average daily balance falls below
$2,000.
H Primary account holder must be a student between the ages of 16-25. When primary account holder reaches 26, the account may be converted to a Sovereign Statement
Savings Account.
I Accounts available in New York and New Jersey branches only
J ATM owner may charge a seperate fee.
K Available at select branches.
N1109_Personal Effective 04/09/12

Personal Deposit Account Fee Schedule
Schedule of Services and Fees
ACCOUNT RELATED SERVICES
Account History $4.00
Check Orders 1 Varies
Collections (per item)
Domestic $10.00
International $30.00
Copy of Canceled Check (12 free copies per year) 7 $5.00
Date of Death Balance $20.00
Duplicate Statement Copy $6.00
Early Account Closing (if closed within 90 days of account opening) 10 $25.00
Escheat $50.00
Garnishment/Levy/Legal Processing $100.00
Inactive Account (per month) $16.00
(applies to checking and money market savings accounts
inactive for more than one year with balances less than $250)
Insufficient Funds Fee 9 $35.00
Insufficient Funds (Item Returned) 9 $35.00
IRA Trustee Transfer $25.00
Lost Passbook $10.00
Online Banking with BillPay No Fee
Overdraft Transfer (per transfer) 2 $12.00
Research, Balance Reconciliation $20.00
and/or Letter Writing Services (per hour, one hour minimum)
Return Deposited Item 8
Domestic $15.00
International $25.00
Savings/Money Market Savings Excess Activity (per item) $5.00
Stop Payment 2 $30.00
(personal check, official check, money order or ACH transaction)
Sustained Overdraft 2,9 $35.00
Checking
Charged on the 6th consecutive business day account is overdrawn
Savings and Money Market Savings $5.00 (per day)
Charge of $5 per day beginning on the 6th consecutive business day account is
overdrawn
Unavailable Funds Fee 9 $35.00
Unavailable Funds (Item Returned) 9 $35.00
DEBIT/ATM CARD SERVICES
Foreign Currency Exchange
ATM Card 3% of transaction in U.S. dollars
International Transaction
Debit Card 4% of transaction in U.S. dollars
Improperly Endorsed Deposit (per item) $2.00
Replacement Card—Expedited $30.00
Lost, Damaged, or Extra Debit Card $5.00 11
Withdrawal at ATM not owned by Sovereign or one of its divisions 6
Domestic–Classic Checking and Savings $3.00
Domestic–Flat Fee Basic Checking, Basic Checking and Savings $3.50
Domestic–Premier Checking, Business Owner Premier Checking, No Fee
Student Checking and Savings
Domestic–All Other Accounts $2.50
International–All Accounts $6.00
SPECIAL SERVICES
American Express ® Gift Card (per item) $5.00
American Express Gift Cheque (per item) $2.50
American Express Travelers Cheques
Regular (per $100) 2 $2.00
Cheques for Two ® (per $100)
U.S. Currency $2.00
Foreign Currency $1.00
Bond Coupon (per envelope) $7.00
Certified Check $15.00
Copy of Official Check or Money Order (per item) $5.00
International Draft $25.00
Money Order $5.00
Official Bank Check 2 $10.00
Safe Deposit Box
Annual Rental Varies4 10% discount with autopay per box5 Drilling $150.00
Late Charge $15.00
Lost Key $15.00
Wire Transfer
Domestic Incoming 3 $13.00
Domestic Outgoing $25.00
International Incoming 3
U.S. Currency $13.00
Foreign Currency No Fee
International Outgoing
U.S. Currency $40.00
Foreign Currency $31.00
1 Free Graystone checks or $15 discount toward alternate designs with Sovereign Premier Checking or Business Owner
Premier Checking. First order of 20 antique style checks free with Sovereign Student Checking. After first order, students
purchase their checks. Graystone Checks are $14.95 per order with Sovereign Preferred Checking.
2 Does not apply to Sovereign Premier Checking, Premier Partnership Checking or Business Owner Premier Checking.
3 Does not apply to Sovereign Student Checking Accounts.
4 Sovereign Premier Checking and Business Owner Premier Checking Accounts receive a free small box or a 50% discount
on any size box rented for the life of the account. Additional boxes are eligible for a 10% discount with autopay.
5 Cannot be combined with any other safe deposit box discounts.
6 ATM owner may charge a separate fee.
7 25 free copies for accounts opened in Maryland or Massachusetts.
8 Fee for accounts opened in New York is $10.00 or in Massachusetts is $5.00.
9 Always know your balance before you write a check or use your Sovereign Debit/ATM Card. If any payment request you
make exceeds your available balance, we may approve your request at our discretion. However, you may be assessed the
current Insufficient or Unavailable Funds Fee whether or not we honor your request.
10 Fee only applies to checking accounts.
11 No fee for Sovereign Premier or Business Owner Premier accounts even after February 1, 2012.
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Sovereign Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander,
S.A. © 2012 Sovereign Bank, N.A. | Sovereign and Santander and its logo are registered
trademarks of Sovereign Bank, N.A. and Banco Santander, S.A. respectively, or their
affiliates or subsidiaries in the United States and other countries. MasterCard is a registered
trademark of MasterCard International Incorporated.