9 These per item fees are imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, and other electronic means (as applicable), whether the item is paid at our discretion or returned unpaid. You may be assessed additional NSF or uncollected funds fees for the same item if the sending bank or merchant requests that the item be represented for payment. For accounts flagged as 18/65, the $35 per item fee is reduced to $5 per item. NSF and uncollected funds items paid at our discretion will be limited to five (5) fees per day, however, returned NSF and uncollected funds items do not have a daily fee limit. Should a transaction overdraw your account in the amount of $5.00 or less, your account will not be charged.
10 If the item returned is drawn on an account held by the Salem Five account holder at another bank, the fee assessed is $7.50.
11 Per statement, deposit slip or check (first 25 checks requested annually per account are free).
12 The inactivity fee will be imposed on checking accounts if the average daily balance is below $250.00 and the account has been inactive for the preceding 12 months. The Open Account, 18/65 Checking without Interest, and 18/65 Checking with Interest are not subject to this fee.
13 If your account requires eStatements, Salem Five may assess this fee if you fail to register for, or at any time you discontinue, receiving eStatements.
14 Additional charges may be assessed by intermediary bank(s). These charges will be deducted from the check or wire transfer proceeds.