| ACCOUNT SERVICE FEES Effective 10/1/2006 |
| Share (Savings) Accounts |
|
| Closed within 12 months |
$5.00 |
| Inactive Account Fee per year |
$2.00 |
| Dormant Account Closing Fee |
$10.00 |
| Regulation D Transaction Fee |
$1.00 |
| Extra Credit Money Market Share Account: |
|
| Excess Number of Withdrawals Fee (after 6 per month) |
$25.00 |
| Below Minimum Balance Fee ($2500) within the month |
$10.00 |
| Transaction Accounts: |
|
| Checking and Special Checking. |
|
| Regulation D Transaction Fee |
$1.00 |
| Manual Check Clearing Fee |
$5.00 |
| A fee is imposed for overdrafts created by checks, in-person withdrawal, ATM withdraws, or by other electronic means, as applicable |
|
| Draft Return Fee (NSF) |
$30.00 |
| Sharedraft Overdraft Courtesy Pay (NSF) |
$30.00 |
| ACH Return Fee (NSF) |
$30.00 |
| ACH Overdraft Courtesy Pay (NSF) |
$30.00 |
| ATM Return Fee (NSF) |
$30.00 |
| ATM Overdraft Courtesy Pay (NSF) |
$30.00 |
| Deposit Item Return Fee |
$10.00 |
| Stop Payment Fee per check |
$20.00 |
| Stop Payment Fee (series of checks) |
$20.00 |
| Manual Return of Check with stop Payment Order in place |
$16.00 |
| Check Printing Charge |
Varies |
| Statement Copy/per statement |
$2.00 |
| Copy of Paid Check (First 10 free per year) |
$4.00 |
| Account Reconciliation/per hour (Minimum one hour) |
$10.00 |
| Wire Transfer |
$10.00 |
| International Wire |
$30.00 |
| Account Research/per hour (Minimum one hour) |
$10.00 |
| Garnishment/levy each presentment |
$10.00 |
| Credit Union Check Withdrawal |
$2.00 |
| Stop Payment Request on CU Check |
$20.00 |
Travelers Checks
Single
Two
Gift Cheque |
$.50/per 100
$.50/per 100
$2.50 |
| Loan Payment Book (re-order) |
$5.00 |
| EFT - ELECTRONIC FUNDS TRANSFER FEES |
|
| ATM/ATM VISA Check Card |
|
| **Excessive ATM Withdraws |
$.50 ea
over 8 per mth |
| ATM Plus Network per transaction |
$1.50 |
Surcharge:
If you use an ATM that is not operated by us, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized for such a transaction. The ATM surcharge will be taken from your account if you elect to complete the transaction. |
Varies |
| Replacement Card Fee |
$10.00 |
| ATM Return Fee (NSF) |
$30.00 |
| Regulation D Transaction Fee |
$1.00 |
| ATM/CheckCard Pin Replacement or Reactivation |
$1.00 |
| ATM Card Fee, (no charge with opened checking) |
$3.00 |
| ATM Photocopy |
$40.00 |
| Pre-authorized EFT's: |
|
| NSF Pre- authorized Withdraw |
$30.00 |
| VISA Platinum/GOLD/CLASSIC: |
|
| VISA Card replacement |
$10.00 |
| VISA Statement Copy/per page |
$1.00 |
| VISA Late Fee |
$20.00 |
| VISA NSF Check Fee |
$30.00 |
| VISA OVERLIMIT FEE (CONSIDERED A FINANCE CHARGE ) |
$25.00 |
