MISCELLANEOUS SERVICES

Overdraft Protection

• A secured line of credit that is there when you need it
  
• This checking feature extends your ability to write checks and not worry about making the funds transfer to cover the checks you've written
  
• Initiated when a check is presented against your account which exceeds the account balance

Check Imaging

• Provided at no charge to all checking customers
• Customers may choose print format so that the check images are easy to read
• The front and reverse side of checks are returned to the customer
• Checks are printed in numerical order to ease reconciliation
• Forms are pre-punched for convenient binder storage
• The first storage binder is provided at no charge
• Learn more about check imaging

Automated Clearing House

• Receiving depository for ACH transactions such as pre-authorized payments, direct deposits and point-of-sale entries
• Origination depository for payments
• Allows you to have earlier access to your funds as there as there in no delay in availability

ATM Card

• Use your card as most ATM locations
• Pay for purchases with your ATM Card where accepted, and your account will be charged directly for the amount of the purchase
• No annual fee, credit card statements or finance charges
• Transaction fees apply

INTERVEST NATIONAL BANK charges a fee for the use of it's ATM Card. In addition, you may be charged a fee by the institution that owns the ATM. The following sites are included to help you locate Internet sites that lists banks that do not charge ATM fees. They are set up as links so all you have to do is click on the link that covers your geographical location:

www.ibaa.org/atmsearch.html
Published by the Independent Bankers Association of America, free ATM's in all 50 states, Puerto Rico and Guam are listed here.

Telephone Banking

• Our BANKline allows you to access your account 24 hours a day!
• Learn more about Telephone Banking

Notary Services

• Several INTERVEST NATIONAL BANK employees are qualified to provide this service to customers at no charge
• Non-customers are charged a fee per document

Wire Transfer Services

• Intervest National Bank facilitates both incoming and outgoing wire transfers denominated in US dollars directly through the Federal Reserve Bank of New York.
• This is the most efficient way of delivering available funds to the beneficiary at a reasonable cost

Official Checks

• Can only be issued against collected funds
• Issued for unlimited amounts
• Fee charged for official checks issued except for those made payable to the account holder
  

Money Orders

• Issued for amounts up to $1,000.00
• Fee charged for each money ordered issued
• Not available in all locations

American Express Travelers Checks

• Standard fee is $1.00 per $100.00 in travelers checks purchased
• INB offers the standard American Express Travelers Check
  

Redemption of Series EE Savings Bonds

• May be redeemed after six months from date of issue - Series EE
• Retains a tax-deferred privilege for the interest earned on the Series EE bonds

Federal Tax Depository

• Business customers can deposit tax payments at the Bank on the appropriate due date
• You can have use of your funds up to the last possible day and receive an immediate receipt of the payment made

Collection Services

• We can act on your behalf to send negotiable items directly to the drawer bank to ensure receipt of funds
• A modest fee is charged based on the type of item presented for collection