Monthly service charge fee of $7.50 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 $2.50 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 three (3) 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. Dormant account inactivity time period of 12 months.
Daily overdraft fee cap of six (6) fees daily.