Rates & Fees

Rates


Effective Date: March 6, 2017

*Rates subject to change without notice.

  Opening Deposit Interest Rate Annual Percentage Yield (APY)
CERTIFICATES OF DEPOSIT / IRA
Early withdrawal penalties may be assessed
$500.00    
     3 Months   0.40%  0.40%
     6 Months   0.50% 0.50%
     9 Months   0.55% 0.55%
     12 Months   0.80% 0.80%
     18 Months   0.85% 0.85%
     24 Months   1.10% 1.11%
     24 Months - Bump (One Time)   1.05% 1.06%
     36 Months   1.20% 1.21%
     36 Months - Bump  (Two Time)   1.15% 1.16%
     42 Months   1.25% 1.26%
     48 Months   1.30% 1.31%
     54 Months   1.40% 1.41%
     60 Months   1.50% 1.51%
IRA Savings Account $100 0.30% 0.30%
PERSONAL MONEY MARKET ACCOUNTS $100    
CBT Money Market      
Balances      
     $1,000.00 > $9,999.00   0.10% 0.10%
     $10,000.00 > $49,999.00   0.15% 0.15%
     $50,000.00 > $99,999.00   0.20% 0.20%
     $100,000.00 and greater   0.25% 0.25%
CBT Platinum Money Market $25,000    
Balances      
     $1,000.00 > $24,999.00   0.15% 0.15%
     $25,000.00 > $49,999.00   0.20% 0.20%
     $50,000.00 > $99,999.00   0.25% 0.25%
     $100,000.00 > $199,999.00   0.30% 0.30%
     $200,000.00 and greater   0.35% 0.35%
PERSONAL SAVINGS ACCOUNTS      
CBT Savings - Balances > $100 $100 0.15% 0.15%
CBT Minor Savings - Any Balance $10 0.15% 0.15%
       
PERSONAL CHECKING ACCOUNTS      
CBT Interest Checking - Any Balance $100 0.10% 0.10%
CBT Patriot Checking - Any Balance $100 *0.15% 0.15%
    *Base Rate - Actual Rate may be higher based on years in service
CBT Select Checking $100    
Balances      
     $0.00 > $9,999.00   0.05% 0.05%
     $10,000.00 > $49,999.00   0.10% 0.10%
     $50,000.00 > $99,999.00   0.15% 0.15%
     $100,000.00 and greater   0.20% 0.20%
CBT Platinum Checking $1,000    
Balances      
     $0.00 > $9,999.00   0.10% 0.10%
     $10,000.00 > $49,999.00   0.15% 0.15%
     $50,000.00 > $99,999.00   0.20% 0.20%
     $100,000.00 and greater   0.25% 0.25%
CBT Fifty Plus Checking - Any Balance $100 0.15% 0.15%
CBT IOLTA Checking Account - $500 and greater $100 0.75% 0.75%
BUSINESS MONEY MARKET ACCOUNTS      
CBT Business Money Market $1,000    
Balances      
     $1,000.00 > $9,999.00   0.05% 0.05%
     $10,000.00 > $49,999.00   0.10% 0.10%
     $50,000.00 > $99,999.00   0.15% 0.15%
     $100,000.00 and greater   0.20% 0.20%
CBT Business Platinum Money Market $25,000    
Balances      
     $1,000.00 > $24,999.00   0.10% 0.10%
     $25,000.00 > $49,999.00   0.15% 0.15%
     $50,000.00 > $99,999.00   0.20% 0.20%
     $100,000.00 > $199,999.00   0.25% 0.25%
     $200,000.00 and greater   0.30% 0.30%
BUSINESS SAVINGS ACCOUNTS      
CBT Business Savings - $200 and greater $200 0.10% 0.10%
BUSINESS CHECKING ACCOUNTS      
CBT Community Checking - $100 and greater $100 0.15% 0.15%
CBT Commercial Analysis Checking - Earned Credit Rate - $200 and greater $200 0.178% 0.178%


Fees may reduce earnings. Annual Percentage Yield assumes interest remains on deposit. Interest Rates are
subject to change at the discretion of Coastal Bank & Trust with no advance notice.

Fees  

 

Account Balancing (Per Hour) $25.00
Account Print Out/Special Statement Cut-off $10.00 (Statement with Check Images)
Accounts Closed within 90 days $15.00
Cashier’s Check $5.00
Check Cashing (Non-Customer) $5.00
Collection Item (Fee Varies) $15.00 (Minimum)
Courier Delivery Service Varies
Copy of Check $3.00
Copy of Statement $5.00
Dormant Account Charge (Monthly) $5.00
Internet Banking with Bill Pay Free
Garnishment/IRS Tax Levy $50.00
Night Depository Bag Inquire
Non-Sufficient Funds (Paid & Returned Items) $32.00
Notary
     Customer
     Non-Customer

Free
$5.00
Daily Overdraft Charge (Per business day) $5.00
Photocopies (Per Copy) $1.00
Research/Subpoena (Per Hour) $25.00
Returned Deposited Item (Charge back) $6.00
Stop Payment $30.00
Transfer via OnCall Banking $2.00
VISA Gift Cards (Prepaid) $3.50 per card
VISA Travel Cards (Reloadable) $4.00 per card / $2.00 reload fee
Wire Transfer (Domestic) $5.00 (Incoming), $15.00 (Outgoing)
Wire Transfer (Domestic) Online Cash Management $10.00 Outgoing
Wire Transfer (International) $25.00 (Incoming) $35 (Outgoing)
Wire Transfer (International) Online Cash Management $25.00 (Outgoing)
Wire Transfer Notification $10.00 (Phone) $15.00 (Fax)
Safe Deposit Box Annual Rental $35.00 (3X5) $50.00 (3X10) $60.00 (5X10) $100.00 (10X10)
Safe Deposit Box Drill Fee $100.00
Safe Deposit Box Late Payment Fee

$15.00


In Addition, Commercial Analysis Fees Include:

Monthly Maintenance Fee $12.00
Per Deposit $.25
Per Checks & Other Items Paid $.15
On-Us Deposited Items $.07
Local (NC) Deposited Items $.08
Non-Local Deposited Items $.09
Deposited Item Charge Back $6.00
Hold Statement Charge $10.00
ACH Origination $50.00
ACH Debit $.15
ACH Credit $.10
ACH Modification $50.00
Disposable Bag Purchase $TBD
Disposable Bag Drop Fee $1.00
Coin Supplied Per Roll $.10
Currency Supplied (1,000) $.50
Night Drop Cloth Zipper Bag Purchase $30.00
Night Drop Cloth Zipper Bag Drop Fee (per bag) $1.00

 


Effective May 1, 2017

*Rates subject to change without notice.


Fees may reduce earnings. Annual Percentage Yield assumes interest remains on deposit. Interest Rates are
subject to change at the discretion of Coastal Bank & Trust with no advance notice.

Retail Fee Schedule 

Check printing fees vary by style of check ordered

The following fees and charges may be assessed against your account.
Account Balancing (Per Hour) $25.00
Account Print Out/Special Statement Cut-off $10.00 (Statement with Check Images)
Accounts Closed within 90 days $25.00
Check Cashing (Non-Customer) $5.00
Official Check $5.00
Collection Item (Fee Varies) Minimum Charge $15.00
Courier Delivery Service: First Daily Delivery/Pickup No Charge
Each Additional Daily Delivery/Pickup $20.00
Copy of Check $3.00
Copy of Statement $5.00
Replacement ATM/Debit Card $5.00
Dormant Account Charge (Monthly) $5.00
Internet Banking with Bill Pay No Charge
Garnishment/IRS Tax Levy $100.00
Overdraft Fee $35.00
Returned Item Fee $35.00
Daily Overdraft Charge (Per business day) $5.00
Night Depository Bag Inquire
Non-Sufficient Funds (Paid & Returned Items) $32.00
Notary No Charge
Photocopies (Per Copy) $1.00
Fax (Per Page) $1.00
Research/Subpoena (Per Hour) $25.00
Returned Deposited Item (Charge back) $10.00
Stop Payment $30.00
Stop Payment Online $15.00
Transfer via OnCall Banking $2.00
Wire Transfer, Domestic (Incoming) $10.00
Wire Transfer, Domestic (Outgoing) $15.00
Wire Transfer, International (Incoming) $25.00
Wire Transfer, International (Outgoing) $35.00
Wire Transfer Notification (Phone) $10.00
Wire Transfer Notification (Fax) $15.00
VISA Gift Cards (Prepaid) $3.50 per card
VISA Travel Cards (Reloadable) $4.00 per card / $2.00 reload fee
Foreign Currency Exchange $20.00 per order, plus shipping

 

Safe Deposit Box Annual Rental
$35.00 (3X5)  
$50.00 (3X10)  
$60.00 (5X10)  
$100.00 (10X10)  
Safe Deposit Box Drill Fee Up to $200.00
Safe Deposit Box Late Payment Fee

$15.00

Business Fee Schedule

Check printing fees vary by style of check ordered.

The following fees and charges apply to all business accounts and may be assessed against your account.
Account Balancing (Per Hour) $25.00
Account Print Out/Statement with Check Images $10.00
Accounts Closed within 90 days $25.00
ACH Setup: No Fee for Inquiries $25.00
ACH Modification $10.00
ACH Origination (Monthly) $25.00
Check Cashing (Non-Customer) $5.00
Official Checks $5.00
Coin Supplied (Per Roll) $0.10
Coin/Currency Deposited Per $1000 after $20,000 $1.00
Collection Item (Varies) Minimum $15.00
Copy of Check $3.00
Copy of Statement $5.00
Currency Supplied ($1000) $0.50
Daily Overdraft Charge (Per Business Day after the 9th Day) $5.00
Disposable Bag Purchase $1.00
Disposable Bag Drop Fee $1.00
Dormant Account Charge (Monthly) $5.00
Garnishment/IRS Tax Levy $100.00
Hold Statement Charge $10.00
Night Drop Cloth Zipper Bag Purchase $30.00
Night Deposit Cloth Zipper Bag Drop Fee (Per Bag) $1.00
Notary –Customers No Charge
Fax (Per Page) $1.00
Photocopies (Per Copy) $1.00
Replacement ATM/Debit Card $5.00
Research/Subpoena (Per Hour) $25.00
Remote Deposit Capture $30.00
Returned Deposit Item (Charge back) $10.00
Returned Item Fee $35.00
Overdraft Fee $35.00
Stop Payment $30.00
Stop Payment Online $15.00
Transfer via On Call Banking $2.00
Wire Transfer, Domestic (Incoming) $10.00
Wire Transfer, Domestic (Outgoing) $15.00
Wire Transfer, Domestic, Online Cash Management (Outgoing) $10.00
Wire Transfer, International (Incoming) $25.00
Wire Transfer, International (Outgoing) $35.00
Wire Transfer, International Online Cash Management (Outgoing) $25.00
Wire Transfer Notification (Phone) $10.00
Wire Transfer Notification (Fax) $15.00
Wire Transfer Origination Service, Online Cash Management: Monthly $25.00
Courier Delivery Service: First Daily Delivery/Pickup No Charge
Each Additional Daily Delivery/Pickup $20.00
Foreign Currency Exchange $20.00 per order, plus shipping

 

In Addition, Commercial Analysis Fees Include:
Monthly Maintenance Fee $20.00
Per Deposit $0.25
Per Checks & Other Items Paid $0.15
On-Us Deposited Items $0.10
Local (NC) Deposited Items $0.10
Non-Local Deposited Items $0.10
ACH Debit $0.15
ACH Credit $0.10

 

Safe Deposit Box Annual Rental
$35.00 (3X5)  
$50.00 (3X10)  
$60.00 (5X10)  
$100.00 (10X10)  
Safe Deposit Box Drill Fee Up to $200.00
Safe Deposit Box Late Payment Fee

$15.00

Attention Business Money Market Savings Account Holders: To avoid a monthly maintenance fee of $15.00, account must maintain $1,000 daily balance, $2,000 average daily balance or $5,000 combined balance in related business accounts.

 
 

Coastal Bank & Trust • 2414 North Marine Blvd. • Jacksonville, NC 28546
Phone: 910-577-3200 • Fax: 910-577-3211

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