| Debit Card |
| Debit Card Replacement Fee | $10.00 |
| Debit Card Non-Sufficient Funds | $28.00 |
| Debit Card Transaction Fee | $1.25 |
| (First 5 Per month are free for PIN based (debit) transactions, Signature (credit)
transactions are free.) |
| Checking |
| Money Market | $7.50 |
| (first 3 transactions per month. Including withdrawal $250.00 min. and trans.) |
| Share Draft (Checking) |
| Monthly Service Fee | $0.00 |
| Share Draft #2 (Checking) |
| Monthly Service Fee | $7.50 |
| ($500.00 min. daily balance required to waive monthly fee.) |
| Stop Payment on Checking | $25.00 |
| Stop Payment on A.C.H. | $25.00 |
| Non-Sufficient Fund | $28.00 |
| Photo-Copy of a Check | $3.50 |
| Account Reconciliation (per hour) | $25.00 |
| Overdraft Transfer Fee | $7.50 |
| Alternate Name on a Check | $3.00 |
| Loans |
| Loan Late Fee | $25.00 |
| Loan Return Payment | $28.00 |
| Mailing Services |
| Overnight | $22.50 |
| Certified | $7.50 |
| Maintenance Services |
| Christmas Club Early Withdrawal Fee | $10.00 |
| Withdrawal Penalty | $25.00 |
| (Closing fee for accounts being closed within 90 days of being opened.) |
| Dormant Account Fee | $30.00 |
| (1 year of inactivity with balance less than $1000.00)
|
| Missing Address Fee | $18.00 |
| (For items returned by the U.S. Postal Service.)
|
| Other Service Charges |
| Levy | $25.00 |
| Official Check | $3.00 |
| Photocopy of Past/Interim Statement | $4.00 |
| Research Fee (per hour) | $15.00 |
| Research Fee (per item) | $5.00 |
| Individual (Non-recurring) ACH | $5.00 |
| Return Check Fee | $28.00 |
| Visa |
| Visa Credit Card Annual Fee | None |
| Visa Credit Card Replacement Fee | $10.00 |
| Visa Over The Limit Fee | $25.00 |
| (Until Balance is below limit.) |
| Visa Late Fee | $25.00 |
| (Until payment is current) |
| Visa Payment N.S.F. Fee | $28.00 |
| Visa Cash Advance Fee | $5.00 |
| Visa In-House Payment Fee | $3.00 |
| Wires |
| Domestic | $20.00 |
| Incoming | $10.00 |
| International | $30.00 |