Fee Schedule

• Account closed within 90 days.............................................. $10.00
• Account history (less than 90 days).........................................FREE
• Account history (more than 90 days).......................................$2.00
• Account balancing/reconciliation ..................$15.00 per hr Min of 1 hr
• ATM ot Debit Card Replacement.............................................$5.00
• Below minimum balance ($25)................................$1.00 per month
• Cashier Checks....................................................................$2.00
• Check printing.........................................................Varies by style
  (Seniors may receive up to 3 free boxes each year)
• Check from another business for collection............................$10.00
• Checking account service fee..................................................FREE
• Copy of cancelled check within 1 year......................................$2.00
• Copy of cancelled check older than 1 year...............................$5.00
• Duplicate Statements............................................................$2.00
• EX-TELL phone banking..........................................................FREE
• Fax service (domestic).........................................50 cents per page
• Home banking histories or transactions....................................FREE
• IRA accounts closed within 90 days........................................$50.00
• IRA government reporting/servicing.........................................FREE
• IRA transferred to another financial institution........................$25.00
• Levy, garnishment processing..............................................$25.00
• Loan Applications..................................................................FREE
• Mail returned/incorrect address................................$1.00 each time
• Membership Fee (One time fee).............................................$1.00
• Money Orders.....(Free to seniors)...............................75 cents each
• Non-sufficient funds (ATM, ACH, Drafts)....................$20.00 per item
• Notary Fee...........Member...FREE, Non-member......................$2.00
• Overdraft transfer from savings..............................................$2.00
• Overdraft Courtesy Pay ( to qualified members)........$20.00 per item
• Photocopies........................................................10 cents per page
• Registered mail....................................................................$5.00
• Stop payment (per item) Draft & ACH....................................$10.00
• Stop payment for consecutive checks....................................$15.00
• Telephone employee assisted transfers...................................FREE
• Temporary Checks (10).........................................................FREE
• Travelers Checks......................$1.00 per $100.00 (free for seniors)
• Visa card cash advance..........................................................FREE
• Western Union Transfers..................................Varies with amounts
• Wire Transfer Incoming.........................................................$5.00
• Wire Transfer Outgoing (domestic).......................................$15.00
• Wire Transfer Outgoing (international)..................................$40.00
  
                                             Effective June 1, 2005