• Money Market Savings
• Certificates of Deposit
• Check Card
• Fee Schedule

At GMAC Bank, we keep our fees low, and there are never any hidden charges

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Penalty for Early Withdrawal of Certificate of Deposit

If we consent to a request for a withdrawal before the maturity date or that is otherwise not permitted, you will be assessed a penalty immediately. The penalty will be an amount equal to 90 days of interest that has been or would be earned on a certificate with a term of less than OR EQUAL to one year. The penalty will be an amount equal to 180 days of interest that has been or would be earned on a certificate with a term of more than one year. The penalty is calculated under the interest method indicated in your Deposit Agreement and deducted from interest first and then principal, if necessary.

Allowable Early Withdrawals. Withdrawals from time deposit accounts will be permitted before maturity without an interest penalty as outlined in the previous paragraph for the following circumstances: (1) when requested, upon the death of any account owner; or (2) when requested, when the account owner is determined to be legally incompetent by a court or other administrative body of competent jurisdiction.

Withdrawal at Maturity and Grace Period. You must notify us in writing before the maturity date if you do not want your account to automatically renew. You have 10 days after the maturity date to withdraw funds without penalty. This time period is known as a grace period.

Money Market Savings Account Monthly Services Charges

If the Average Daily Balance of your GMAC Bank money market savings account is GREATER than $500

NO MONTHLY SERVICE CHARGES ON YOUR ACCOUNT.

If, however, the Average Daily Balance of your GMAC Bank money market savings account is LESS than $500

1. The Monthly Service Charge for Direct Deposit Accounts will be $5.00 per statement cycle or
2. The Monthly Service Charge for NON-Direct Deposit Accounts will be $7.50 per statement cycle.

Money Market Savings Account Transaction Fees

Transfer from a Money Market account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to SIX (6) transactions per statement cycle with no more than three transactions conducted by check, draft, or similar order to third parties. You will be charged $10.00 for each transaction that exceeds the six transaction limits.

ATM Withdrawal Fees

There is no charge for withdrawals at a GMAC Bank or NON-GMAC Bank ATM. A fee may be assessed by the ATM owner for use of a non-GMAC Bank ATM. The first four fees per statement cycle assessed by the ATM owner, up to a total of $6, will be refunded by GMAC Bank.

Other Money Market Savings Account Fees

Check Printing Fee	Initial order of 50 checks is free, cost for subsequent orders vary by check style
Stop Payment Fee	$15.00
Official Check	$10.00
Check Copy	$5.00 per copy of check front and back
NSF Fee	$20.00 per item
Returned Deposit Items	$7.50
Domestic Outgoing Wire	$20.00
International Outgoing Wire	$45.00
Federal Express Fee	$7.50
Statement Copies	$2.00 per page