Below is a list of things that count towards our item count and their definitions: 

• ACH Credit – a deposit into the account through the ACH (Automated Clearing                  
                House) system.  An example would be customer credit card purchases. 

• Bill Pay Items – paper checks issued by Bill Pay module for Business or Personal 
  Online Banking users. 

• ACH Debit – a deduction from the account to pay a bill or a person coming from  
  another bank through ACH system.  ACH Bill Pays would also be included. 

• Cash Management Fee – The customer has enrolled in Enhanced eBanking which  
  offers ACH or Same Day ACH Origination. 

• Checks Written – checks written by the customer drawn off the account or an  
  in-person withdrawal from the account 

• Deposits – Deposits made in person, by Remote Deposit Capture or Remote Deposit 
                Activity. 

• HCB or On-us Item Deposited– a check written to the business drawn off a HCB  
                account and deposited into the account. 

• Foreign or Non-HCB Item Deposited– a check written to the business drawn off  
                another bank and deposited into the account. 

• Remote Deposit Capture (RDC) – Service that allows business customer to deposit their checks using a scanner located in their office.   

• Remote Deposit Capture Items – Checks deposited into the account using the above service (scanner) 

• Remote Deposit Activity (RDA)– Checks deposited into the account using the mobile app – “Deposit Checks” feature.  Available to Business and Personal Online Banking users. 

• Smart Pay Express Monthly Fee – Service that offers a business the ability to collect debit card, ACH or credit card payments from their customers.  Payment is initiated by the customer. 

• ACH Origination Batch and Item Fees – Fees assessed by NetTeller for businesses who originate ACH credits or debits.  Businesses submit batches and there are items within the batch.   

• Wire Transfer – Guaranteed funds transferred on behalf of our customer to another institution electronically through the Fed. Could also be guaranteed funds transferred this way to our customer from another institution. 

All of the above items are considered to be “soft -charges” which is important to Business Edge customers as the earnings credit can offset the fees.   

• Smart Pay Express Item Fees – Items processed by users through Smart Pay portal. We are charged for these, and so we manually assess these fees. 

• ACH Charge Back Fee – Fee charged for an returned ACH payment made to the business and initially credited to the account 

• Monthly Service Fee- Fee charged monthly if balance or relationship requirements 
  are not met. 

• NSF – Fee of overdrawn account 

• Paper Statement Fee – Fee charged if the customer does not elect for electronic statements. 

• Return Deposited Item – Fee for a check deposited that has been returned to HCB 
  from another bank.  

All of the above items are considered to be “hard-charges” which is important to Business Edge customers as the earnings credit will not offset these fees.