9 This per item fee is 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. For accounts flagged as 18/65, the $35 per item fee is reduced to $5 per item. The first five (5) NSF items paid per day will be charged the fee as an NSF Paid Item Fee, whereas any NSF items returned unpaid will be charged an NSF Returned Item Fee. Should a transaction overdraw your account in the amount of $5.00 or less, your account will not be charged.
10 As established from time to time by the Commissioner of Banks. If the item returned is drawn on an account held by the Salem Five account holder at another bank, the fee assessed is
11 Per statement, deposit slip or check (first 25 checks requested annually per account are free after which the per item charge applies).
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.
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.