ONLINE BANKING PRODUCTS

Online Bill Pay

Product Types	Monthly Fee	Monthly Transaction Limit	Per Item Fee After Exceeding Monthly Transaction Limit
Consumer Bill Pay - Discount (Village Gold account customers)	$2.95	20 Bill Payments	$0.50
Consumer Bill Pay - ( Free Checking and eChecking)	$5.95	20 Bill Payments	$0.50
Business Bill Pay - ( All business checking account customers)	$6.95	10 Bill Payments	$0.50

For previously offered accounts: Relationship Checking - no monthly fee, unlimited monthly transactions. Employee Advantage - $2.95 monthly fee, 20 Bill Payments limit, per item limit exceeding limit $0.50. 

The following fees will be assessed if you request one or more of the services listed below in regards to your online bill payments. There will be no charge for any item if needed to correct a Village Bank error.

• Written correspondence to payee: $10.00
• Per proof of payment not necessitated by a dispute: $10.00
• Payments returned due to customer error: $5.00

Please refer to your account opening disclosures for a complete itemization of other fees and charges that may apply to your specific account type or contact a Relationship Banker for more information. Village Bank may change fees and charges from time to time, as allowed by law. Village Bank reserves the right to charge for research time involving payments no longer available on your online screen history. You will be informed of any such charges before they are incurred.

Online bill payments are processed via Electronic Fund Transfers (EFT). Consumers please refer to the Regulation E Disclosure that you were provided at the time of account opening concerning your rights and obligations as governed by Regulation E.

Remote Deposit
By capturing checks earlier in the deposit process, not only banks but their commercial customers can realize considerable revenue increases and significantly reduce their costs.
This exciting product will:

• Accelerate the clearing of items
• Increase accuracy
• Eliminate the need to courier or personally deliver checks
• Create an immediate archive
• Allow for consolidation of banking relationships

If you have questions about Remote Deposit or would like more information, contact Village Bank.

 Business Online Cash Management Service

Fee Description	Fee Type/Frequency	Fee Amount
Cash Management Base Fee	Monthly	$20.00
Online ACH File Fee	Per File	$5.00
Online ACH Item with File	Per Item	$0.05

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