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(1) An ATM surcharge is the fee that the owner of the non-SNBT ATM may charge for a transaction conducted with a Debit Card or ATM card. All checking accounts receive unlimited use of any SNBT eTeller or ATM. The first 4 ATM transactions per calendar month at non-SNBT ATMs are at no charge; thereafter $1.50 each. Sterling Rewards will receive ATM transactions at no charge up to $15.00 per month.
(2) Combined balance - Accounts must be titled in the same Tax Reporting Owner to qualify. Deposit accounts use the Minimum Balance month-to-date, which is the lowest balance during the current calendar month. Loan balances are based on the current balance and any available credit amount on lines of credit.