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Home My WebLink About20160829_5054.pdfDECISION MEMORANDUM TO:COMMISSIONER KJELLANDER COMMISSIONER RAPER COMMISSION ANDERSON COMMISSION SECRETARY LEGAL WORKING FILE FROM:CHRIS KECHT DATE:AUGUST 26,2016 RE:CASE NO.SCH-W-15-01 COMPLIANCE TARIFF FILING On February 15,2015,Schweitzer Basin Water.LLC filed an application for a Certificate of Public Convenience and Necessity.Commission Order No.33543 granted the Company Certificate No.521 on June 23,2016.On July 14,2016,the Company submitted its tariff as directed by the Commission.Since that time,Staff has worked with the Company to ensure the tariff is in compliance with the Commission’s Order,Rules and Regulations,and Idaho Statutes. The Company requested an effective date of July 1,2016,which is consistent with the Commission’s order.See Order at 15. In Order No.33543.the Commission approved an Insufficient Funds Fee of $30.00. Order at 13.The Company had requested a S40.00 charge;Staff recommended a $20.00 charge in its comments. Idaho Code §28-22-105’allows a company to charge no more than $20.00 for dishonored checks.In its review,Staff discovered that the fee schedule for Mountain West Bank provided by the Company in its reply comments was outdated;the current fee schedule is attached to this memo.Staff also verified that the Overdraft/Returned Item Fee cited by the Company would be assessed by the bank if the Company itself issued a dishonored check.If a customer of the Company made a payment with a dishonored check that was subsequently The statute states,in pertinent part,“Whenever a check ...has been dishonored by nonacceptance or nonpayment the drawer of such check shall also be liable for payment of interest ...and cost of collection not to exceed twenty dollars ...or the face amount of the check,whichever is the lesser.” DECISION MEMORANDUM 1 AUGUST 26,2016 deposited by and returned to the Company,the Company would be assessed a Returned Deposit Item charge of $2.00. Staff discussed the problem with the Company,and the Company agreed to a $20.00 Insufficient Funds Fee.Staff recognizes that in addition to the bank fee it would incur if a customer paid with a dishonored check,there are also administrative costs incurred by the Company to pursue collection of the amount owed by the customer.Staff maintains that the amount of the charge should be consistent with the statute and sufficient to discourage customers from making payment with a dishonored check. STAFF RECOMMENDATION Staff has confirmed that the final version of the tariff complies with Commission Order No.33543,with the one exception noted above.Staff recommends approval of the Company tariff,including an Insufficient Funds Charge of S20.00. COMMISSION DECISION Does the Commission wish to approve the Company Tariff with an effective date of July 1.2016? Chris H c Udmemos/SCII.W.I 5-01 Compliance Filing dcc memo DECISION MEMORANDUM 2 AUGUST 26,2016 MOUNTAIN WEST BANK FEE SCHEDULE Effective January 1,2016 This schedule lists fees that may be charged for certain services.Please familiarize yourself with your account information and potentially applicable fees.Note that products and services may vary by branch or change overtime.Fees are subject to change and not all fees may appear here.You may obtain information about interest rates and fees for services not listed here by contacting your local branch. Bolded fees reflect a change from current pricing. OVERDRAFT FEES Overdraft fee created by check,in-person withdrawals, ATM withdrawals,or other electronic means Overdraft Fee -Fee assessed for items that are paid Returned Item Fee -Fee assessed for items that are returned Continuous Overdraft Fee -Fee assessed on accounts that remain for more than S consecutive days STOP PAYMENT FEES Stop Payment WIRE TRANSFER Incoming Wire Fee (domestic and foreign)$10.00/each Outgoing Wire Fees -Domestic -Foreign sent in U.S.dollars -Foreign sent in foreign currency -Foreign using direct credit (direct credit may not be available In all countries/currencies) DORMANT ACCOUNT FEE Dormant Account Fee $5.00/month -Fee assessed on checking accounts with a daily balance less than $100 and no activity for 1 year -Fee assessed on savings and money market accounts with daily balances less than $100 and no activity for 2 years Unclaimed Property Fee $50.00/remittance -Fee assessed on accounts before remittance to the state EXCESS WITHDRAWAL FEE Savings and Money Market Accounts $1 .Ooritem -Fee assessed on accounts with more than 6 withdrawals or transfers to another account of yours or to a third party by means of pre-authorized or automatic transfer or telephone order or instruction,computer transfer,or by a check,debit card,or similar order to a third party EARLY ACCOUNT CLOSING FEE Early Account Closing Fee $10.00 -Fee assessed if account is closed within the first 90 days LEGAL PROCESS FEES SAFE DEPOSIT BOXES Box sizes vary per location.Please contact customer service for availability and annual rent for safe deposit boxes.Box rent is due annually. Box Drilling Key Replacement Mountain West Bank Division of Glacier Bank $30.00/Item $30.00/Item CARD SERVICES Express Delivery Card Replacement $80.00 $5.00/day Instant Issue Local Image $5.00 Instant Issue Custom Image (e.g.high school mascot)$10.00 Levy,Garnishment Execution Fees$30.00/item -Charged to customer’s account -Processor Fee $75.00/request Si 0.00/request $2000/each $75.00/each $50.00/each $50.00/each ACCOUNT RECONCILIATION OR RESEARCH FEE Account Reconciliation or Research $30.00/hour OTHER IN-BRANCH SERVICES Cashier’s Checks Returned Deposit Item Sweeps Check Cashing (non-customer) $5.00/Item $2.00/item $100/transfer $15.00/item Locksmith Fee $20.00 FDIC .