Fees



FEES effective February 1, 2004

Fees are subject to change without notice. Additional terms and conditions may apply.

ACH Fees

ACH Stop Payment ACH Returned ACH Reprocessed	$20.00 per item $20.00 per item $5.00 per item

Check Cashing Fees (without compensating balance)	If receiving cash back of over 50% of check without compensating balance, the same scale applies.

$0.00 to $249.99 $250.00 to $499.99 $500.00 to $999.99 $1,000.00 and above	$2.00 $3.00 $4.00 $5.00

Cheque Card Fees

Cheque Card Overdraft Cheque Card Reprocessed Cheque Card Sales Draft Copy Cheque Card PIN Replacement Cheque Card Replacement Cheque Card ATM Transaction	$25.00 each $10.00 each $3.00 each $3.00 per card $5.00 per card (bank terminal fee)

Miscellaneous Fees

Account Research Account Statement/Mailed Stmt Cashier Checks (No Charge Senior Class) Deposit Item Returned Dormant Account Fee Excessive Withdrawals Loan Application Fee Membership Fee Minimum Balance Fee Money Orders Notary Fee Returned Statement Fee Senior Class Membership Fee Tax Levy/Garnishment Telephone Transfer Travelers Cheques Visa Card Replacement Visa Late Charge Visa Overlimit Fee	$10 per hour $1.00/$2.00 per page 1.00 per check (1st free) $3.00 each $5.00 per year $3.00 each (after 2 trans per mth) $5.00 each $5.00 (one-time fee) $5.00 per month $1.00 each $5.00 (No Charge Senior Class) $10.00 each $20.00 per year $25.00 per instance No Charge $1.00 / $2.00 each single/double $5.00 per card $17.50 per month $17.50 per instance

Passkey (ATM) Fees

ATM Transactions ATM Card Replacement ATM Overdraft ATM Reprocessed	$2.50 each (after 8 trans per month) $5.00 each $25.00 each $10.00 each

Safety Deposit Box Fees (Per Year Discounts May Apply.)

3 x 5 3 x 10 4 x 10 5 x 10 10 x 10 Loss of one key/Drilling	$15.00 per year $30.00 per year $45.00 per year $60.00 per year $100.00 per year $100.00

Share Draft (Check) Handling Fees

Stop Payment Non-Sufficient Funds Returned Non-Sufficient Funds Reprocessed Non-Sufficient Funds Honored Automatic Savings Transfer Merchant NSF Cashier Check Photocopy of Check Photocopy of Check Faxed Checkbook Balancing Personalized Check Order	$25.00 per check $25.00 per check $10.00 per check $25.00 per check $5.00 per check $5.00 per item $3.00 per check $5.00 per check $30.00 per hour $12.79 and up for 1 box of 150 chks

Share Draft Service Fees (Interest-Bearing Unless Noted)

$0.00 to $999.99 $1,000.00 to $2,499.00 Equal to or greater than $2,500.00 New Generation (non-interest-bearing) ESChecking (non-interest-bearing)	$6.50 per month $5.00 per month No Charge No Charge (18 - 25 year olds) No Charge (requires Direct Deposit)

Wire Transfer Fees

Incoming Wire Outgoing Wire Western Union	$7.50 each $12.50 each $13.50 each

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