BANKING

Pricing Schedule for Consumer & Business Deposit Accounts

Fees for the following may be assessed in addition to the fees disclosed in the Disclosures and Customer Agreements. These fees apply to all Deposit Accounts.

State Farm Bank® deposit accounts are FDIC insured.

Account Research $15 per hour ($10 minimum)
ATM Card Replacement Business Accounts
$5 if card is being replaced due to a change in signer(s) on the account. There is no fee to replace a lost/stolen ATM Card.
ATM/Debit Fast Card $25 if express delivery of card is requested.
ATM State Farm Bank will not charge You for the use of ATMs not owned by the Bank (considered foreign ATMs). Further, the Bank will rebate a foreign ATM surcharge imposed by the ATM owner in any amount assessed against a State Farm Bank Checking*, Interest Checking*, or Money Market Savings* account provided that there is a direct deposit via an Automated Clearing House (ACH) credit into that account during the statement cycle of the foreign ATM transaction. If there has been no direct deposit via an ACH credit into the State Farm Bank Checking*, Interest Checking*, or Money Market Savings* account during the statement cycle, the Bank will rebate up to a total of $10 in foreign ATM surcharges per account per statement cycle. State Farm Bank Savings* and Health Savings* accounts will be rebated up to a total of $10 in foreign ATM surcharges per account per statement cycle.

*If the account is closed prior to the end of the statement cycle, the ATM Fee Rebate will NOT be provided for that statement cycle.
For International ATM Fees incurred travelling outside of the U.S., please call Us at 877-734-2265 to have your rebate applied to your account. For those customers who receive up to $10 per statement cycle, the amount of the International ATM Fee Rebate will be deducted from your $10 benefit.
When You use an ATM not owned by Us, You may be charged a fee by the ATM operator and You may be charged a fee for a balance inquiry even if You do not complete a fund transfer.
The Bank will impose a fee to non–State Farm Bank issued cards for withdrawing cash from a State Farm Bank ATM.
Bank Draft/Official Check No Charge
Check Copy First 3 copies per statement cycle are free, after which $3 per item.

(Check copies are available at no charge on the Internet for up to 18 months from the posting date.)
Child Support Order/Notice $15 fee or as directed by state law
Collection Item Deposit item that requires special handling in order to provide credit to the account

Domestic Item — $10 per item
Foreign Item — $15 per item
Court Order/IRS Research $22 per hour Research Fee or as directed in the request
Court Order/IRS Research Items $0.25 per copy for each page of a document or as directed in the request
Deposited Item Returned $10 per item
Dual Authorized Signatures Business Accounts only (excluding Certificates of Deposit, Non-Profit Checking and Non-Profit Interest Checking) $5 per month
Excessive Transaction $10 per statement cycle — for exceeding authorized number of Money Market Savings Account transfers or Savings Account transfers per statement cycle
Foreign Bank Draft Fee varies by destination and will include a $10 handling charge
Foreign Currency Fee varies by Currency and will include a $12 charge for regular overnight delivery and a $15 charge for priority overnight delivery
Garnishment/Levy $40 Processing Fee or as directed by state law
Health Savings Account (HSA) $25 Annual Fee
Minimum Balance Fees The monthly Minimum Balance Fee will be waived if the account receives a direct deposit via an Automated Clearing House (ACH) credit during the statement cycle

Consumer Accounts
Interest Checking:
$10 fee; $500 minimum average daily balance.

Money Market Savings:

$10 fee; $500 minimum average daily balance.

Savings:

$3 fee; $100 minimum average daily balance when primary account holder is age 18 or older.

Individual Retirement Account (IRA) Money Market Account (Includes Traditional IRAs and Roth IRAs):

$10 fee; $500 minimum average daily balance.

Business Accounts


Business Checking:
(excluding Non-Profit Checking and Non-Profit Interest Checking)
$10 fee; $3,000 minimum average daily balance.

Business Savings:

$3 fee; $100 minimum average daily balance.

Business Money Market Savings:

$10 fee; $500 minimum average daily balance.
Non-Sufficient Funds (NSF) $25 per item, maximum of 3 items ($75 during any business day), includes:

Overdraft Fee — $25 Assessed when an item is paid
Returned Item Fee — $25 Assessed when an item is returned
Overdraft Protection Transfer $3 per transfer assessed to the account funds are transferred to; Transfers are made in increments of $25 from a Protecting Account(s).
Overnight Mail $10 Monday — Friday Delivery
$35 Saturday/Holiday Delivery
Statement Electronic Statements are available for consumer accounts at no charge on the Internet
Duplicate copy of paper statement $5 per statement
Additional Statement sent to an Alternative Address $5 per statement

An annual paper statement will be provided for IRAs, ESAs and HSAs, at no charge.
Stop Payment $20 per item
Wire Transfer — Domestic No charge for Incoming; $15 for Outgoing
Wire Transfer — International Incoming (any value) — $15
Outgoing Less than $50,000 — $35
$50,000 or greater — Fee varies, Contact Bank for current rate.

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1Program and cash back are administered by Cartus Corporation, not an affiliate of State Farm Mutual Automobile Insurance Company. The actual amount you may receive is based upon the purchase or sale price of your home. Program is not offered in Iowa. Cash back is not available in Alaska, Louisiana, Mississippi and Oklahoma. Cash back is paid as a check, except in Kansas and Tennessee where cash back is paid as a gift card, and New Jersey and Oregon, where cash back is paid as a credit at closing. Checks and gift cards are mailed within 4 weeks of closing. A check is presented at closing in Alabama. Ask your program coordinator for details. Customers are not required to receive financing from State Farm Bank, F.S.B., in order to receive benefits of this program. Cash back is only available through the use of a program-recommended real estate agent. All real estate transactions are negotiable. Other terms and conditions specific to the transaction may apply.

State Farm Bank, F.S.B., Bloomington, Illinois (Bank), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type of credit or service offered by visiting statefarm.com or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

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