Gateway Bank - The New Old Fashioned Bank

Minimum Balance to Open $100.00
Minimum Balance to avoid a $15.00 Monthly Maintenance Fee ($5,000 Minimum Daily Balance or Combined Average Monthly Balance of $15,000 or a combination of any personal depository accounts) or Combined Loan Balances of $20,000 (combination of any personal outstanding loan balances)
Unlimited Check Writing
Free Gateway Debit Card
Anywhere ATM
Free Online Banking with Bill Pay
A Tiered Interest Rate Account earns higher rate of interest established by the bank based on tiered levels;
      Levels are as follows:
            $0-$4,999
            $5,000- $24,999
            $25,000- $99,999
            $100,000- $499,999
            $500,000 +
Bonus Rates on Personal CDs
Discount rates on Personal Consumer Loans *
Free Legacy Reserve Checks
Free Cashier's Checks
Free Traveler's Checks
Free Image Statements
Free Notary Services
Safe Deposit Box 50% Discount
(3" x 5, upon availability)
Combined Statements Available

* Subject to credit qualification

Minimum Balance to Open $100.00
Minimum Daily Balance - $300.00 to avoid a $5.00 Quarterly Maintenance Fee
A Tiered Interest Rate Account earns higher rates of interest established by the bank based on tier levels.
Levels are as follows:
            $0-$4,999
            $5,000- $24,999
            $25,000- $99,999
            $100,000- $499,999
            $500,000 +
$100.00 Minimum Daily Balance to Earn Interest on Daily Collected Account Balances – Credited Quarterly
Unlimited transactions in person or by mail
Transactions limited to six (6) transfers by pre-authorized or automatic transfer or telephone; three (3) of which may be made by check, draft or debit per statement cycle exceeding six (6)
A $7 fee will be charged for each debit

Minimum Balance to Open $100.00
Minimum Balance to avoid a $12.00 Monthly Maintenance Fee (Daily $2,500 or $5,000 Average Monthly)
A Tiered Interest Rate Account earns higher rates of interest established by the bank based on tier levels;
Levels are as follows:
                          $ 0 - $ 4,999
                          $ 5,000 - $ 24,999
                          $ 25,000 - $ 99,999
                          $100,000 - $499,999
                          $500,000+
Earns Interest on Daily Collected Account Balance
Unlimited transactions in person or by mail
Transactions limited to six (6) transfers by pre-authorized or automatic transfer or telephone; three (3) of which may be made by check, draft or debit per
statement cycle exceeding six (6)
A $7 fee will be charged for each debit exceeding 6 per statement cycle
Free Online Banking

Gateway Bank of Central Florida offers both Traditional and Roth IRA's. Each features different eligibility requirements and tax benefits, along with income limitations. For example, a Traditional IRA offers tax benefits during income-producing years while a Roth IRA is funded with after tax income, but grows tax free. Please take a moment to talk you're your tax advisor, and then a Financial Services Representative to create the right IRA for your retirement savings goal.

For more information on your investment needs, stop by any of our locations or contact:

Linda McGruther
Email Linda
352.236.6443

Joanne Edde
Email Joanne
352.236.6444

Heather Sheffield
Financial Service Representative
Email Heather
352.236.6445

Gateway Bank of Central Florida has an excellent staff of experienced banking personnel. Our consumer loan professionals will structure the right loan solution to suit your unique needs.

Gateway Bank of Central Florida offers the following
Consumer Loans *:

Home Equity Loans/Lines
Home Improvement Loans
Auto Loans
Boat Loans

Each loan is delivered with prompt, professional, courteous service. For more information contact us at 352-368-3756 .. or stop in and see us at 1632 E. Silver Springs Blvd., Ocala, FL 34470.

* Subject to credit qualification

Gateway Bank Additional Services Offered
Internet Banking
Consumer:
Online Banking (View Account/Transfer)	Free
Online Bill Pay (includes 15 bill payments per statement cycle, $1 per item exceeding the 15 items)	Free
Commercial:
Online Banking (View Account/Transfer)	Free
Online Bill Pay (includes 15 bill payments per statement cycle, $1 per item exceeding the 15 items)	$9.95/Month
Introductory (3 months)	Free
ATM Surcharges:
Up to $5.00 per billing cycle will be refunded. Just bring in current statement to Financial Services Rep within 30 days of statement.
Account Fees:
Early Closing Fee - within six (6) months of account opening	$25.00
NSF item Paid/Returned * (created by check, in person or ATM withdrawals, etc.)	$35.00
Uncollected Funds Paid/Returned * (created by check, in person or ATM withdrawals, etc.)	$35.00
Stop Payment	$35.00
Returned Items Cashed or Deposited	$ 7.00
Dormant/Inactive Account Fees per month (over 12 months without activity regardless of balance for Checking and MMK Accounts and over 24 months for Savings accounts)	$10.00
Telephone Transfers	$ 5.00
Image Statements	$ 5.00
Deposit Correction per Item	$ 5.00
ACH Unposted Correction	$10.00
Debit Card	Free
Foreign Currency Exchange	$30.00
Return Mail	$ 5.00
Duplicate Statements Charge per Statement	$ 6.00
Overdrawn Fee (after five- (5) consecutive days)	$ 6.00/Day
Consignment Items:
Official Checks Customers	$ 7.00
International Drafts Issued in Foreign Countries	$20.00
Travelers Checks	1% per $100
Currency Orders:
Coin	$0.25 per roll
Currency	$0.25 per strap
Legal:
Subpoenas	$50 per hour; $1.00 per page
Reclamation	$75.00
Writ of Garnishment	$75.00
IRS Levy	$75.00
Miscellaneous Fees:
Zipper Bags: Not for Night Deposit Use	$ 5.00
Tamper Evident Plastic Bags for Night Depository Use	$25.00 for 100 bags
Collections (Incoming / Outgoing)	$25.00
Verification of Deposit (per Request)	$ 5.00
Bond Redemption	$20.00
Coupon Collection (per Envelope)	$10.00
Research:
Statement Reconciliation	$25.00 per hour
Research Request	$25.00 per hour
Statement Copies/Snapshots	$ 5.00 per statement
Check Copies	$ 1.00 per item
Copies	$ 2.00 per page
Fax Services	$ 2.00 per page
Wire Transfers:
Incoming	$10.00 each
Outgoing - Domestic	$25.00 each
Outgoing - International	$40.00 each
Safe Deposit Boxes:
3” x 5”	$30.00 Annually
3” x 10”	$40.00 Annually
5” x 10”	$65.00 Annually
10” x 10”	$100.00 Annually

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