Monthly maintenance fee of $5 waived upon receipt of a monthly direct deposit or when client maintains the minimum daily balance in the account throughout the monthly statement cycle. $50.00 deposit required to open this account. E-statement available at no charge, otherwise $4.00 fee per monthly paper statement. The Non-MVB Bank ATM fee of $2.00 per withdrawal is waived for Smart Checking. This is a fee that MVB Bank charges you for using a machine not owned and operated by MVB Bank. MVB will reimburse your account for up to five (5) Non-MVB Bank ATM withdrawal surcharge fees per calendar month. This is a fee that would be charged by the owner of the ATM for using a machine not owned and operated by MVB Bank.