Plus Checking | Account Fees | People's United Bank

1 Plus Checking * A Guide to Your Common Checking Account Fees *The summary of fees is applicable to the zip code you provided us at Account a full schedule of fees and charges see the Schedule of Deposit Account Charges or visit your local branch. L0126 3-220102030405060709 Account opening and usage Minimum deposit to open the Account $ Monthly service charge $ How to avoid the monthly service charge Keep a Minimum Daily Balance of $1,000 An Account owner is age 65 or older You receive one or more electronic direct depositPays interest No ATM fees $ for using a non-People s United bank ATM, terminal or other device.

2 This includes withdrawals, transfers, balance inquiries, deposits or bill payments. When you use an ATM or POS terminal not owned by us, you may be charged a fee by the terminal operator (sometimes called a convenience fee or surcharge). Overdraft information and fees Overdraft Item Fee for items paid or returned $ for each item Uncollected UAF Item Fee for items paid or returned $ for each item Limit of the total number of Overdraft Item Fees or Uncollected UAF Item Fees we charge to your Account (whether paid or returned) per day 5 per Account Overdraft protection sweep transfer fee $ Item or Uncollected UAF Item fee threshold We will not charge you either an Overdraft Item Fee or Uncollected UAF Item Fee if, after all items have been posted at the end of a day, your Account is overdrawn by less than $5.

3 If at the end of the day, your Account is overdrawn $5 or more, we will charge you an Overdraft Item Fee or Uncollected UAF Item Fee for each transaction that overdraws your Account . Overdraft options for customers with debit or ATM cards Overdraft Protection Coverage We offer an overdraft service with our personal Checking accounts which may cover your transaction even when you do not have enough money in your Checking Account . When you opt-in to this service, your ATM and everyday debit card transactions may be authorized at the bank s discretion when you do not have enough money in your Checking Account or have not linked another Account to cover your transaction.

4 For more information on Overdraft Protection Coverage please visit your local branch or call us at 1-800-294-2273. We also offer other services or overdraft protection plans, such as a link to another Account or an overdraft line of credit which may be less expensive. Default Option You do not enroll or opt-in to our Overdraft Protection Coverage This means that your Account is set up to decline any ATM or one-time debit card transactions that may overdraw your Account . Your transactions will be declined and you will not be charged an Overdraft Item or Uncollected UAF Item Fee.

5 We may authorize and pay other transaction types (for example checks) at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. These other transactions may overdraw your Account and you will be charged an Overdraft Item or Uncollected UAF Item Fee. Opt-In Option You do enroll or opt-in to our Overdraft Protection Coverage This means that you have chosen to allow People s United bank to authorize ATM and one-time debit card transactions when you do not have enough available money in your Account .

6 These transactions may overdraw your Account and you will be charged an Overdraft Item or Uncollected UAF Item Fee. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. 2022 People s United bank , | Member FDIC | Equal Housing Lender$ for using a People s United bank ATM Plus Checking * A Guide to Your Common Checking Account Fees *The summary of fees is applicable to the zip code you provided us at Account a full schedule of fees and charges see the Schedule of Deposit Account Charges or visit your local branch.

7 Other Common Fees Online bank statements $ Online check images $ Paper Statement Monthly Fee $ This fee will be waived for Account holders who are 65 years old or older. Check Images Monthly Fee $ Cashier s check $ Returned deposited or cashed item$ Check printing varies International assessment fee 3% of the US Dollar amount of your ATM or debit card purchase in a foreign country or foreign currency Stop Payment $ process $ ATM/Debit Card replacement fee $ Rush ATM/Debit Card replacement fee $ Expedited online bill payments $ (electronic) or $ (paper check)

8 Research charges $ per page and $ per hour or any portion Dormant Account Monthly Fee Your Account is considered dormant if there is no customer initiated activity on your Account (except required otherwise by law) or you have not written to us about your Account for twelve (12) months. Customer initiated activity includes activity such as deposit or withdrawal of funds but excludes certain automated transactions. After 12 months of no activity the Account will be charged $5 each month the Account remains Transfers Outgoing $ for domestic transfers in US Dollars $ for international transfers in US Dollars $ for international transfers in foreign currency Incoming domestic or international $ Posting Order In determining the posting order, we have chosen to divide checks and other items presented to your Account into different categories.

9 The categories are based on the type of transaction. If multiple items are received by us for payment on the same Business Day, we sort the items by category before posting them to your Account at the end of the Business Day. The posting order is described in the chart below. Posting Order Transaction Categories How they are posted 1st Deposits and credits Posted by the transaction date and time Note: Please see our Funds Availability Policy for information on deposit posting. 2nd Overdraft Item Fees and Uncollected UAF Item Fees for the prior Business Day s transaction activity Posted by the transaction date and time 3rd Bill payment debits (made through online or mobile banking), and Person-2-Person debits available for consumer accountholders.

10 Posted by the transaction date and time 4th Over the counter cashed checks (checks you ve written that are cashed in our branches) Checks presented for payment are posted in check number order 5th Other priority debits (such as cash withdrawals, online transfers, and wire transfers) Posted by the transaction date and time 6th ATM and Point of Sale transactions (made using your ATM or Debit card) Posted by the transaction date and time 7th ACH debits Posted by the transaction date and time 8th Over the counter deposited checks, inclearing checks (checks you ve written that were presented for payment by other banks)