Schedule of Fees
Effective 7/01/11

Account Service Fees
The following fees may apply to all accounts.

Deposited Item Return Fee $35.00
Items Sent for Collection Fee $35.00
ACH Return Fee $35.00
Stop Payment/Void Replacement Check Fee $35.00
Dormant Account Fee (Per Quarter) $20.00
Money Orders $1.00 per check
Certified Check $2.00 per check
Cashiers Check $2.00 per check
Fiche Copy Fee $2.00 per page
Statement Copy/History Fee  $1.00 per page
Faxed Copies  $1.00 per page
Payoff letters (Faxed or Mailed) $15.00
Returned Mail/No Address Fee $15.00
Visa Gift Cards $2.00
Wire Transfer $25.00 (with notification in advance)
$50.00 (without prior notification)

Share Account Fees

Share Minimum Balance Fee $10.00

Checking Account Fees

Overdraft Fee $35.00
Insufficient Funds (NSF) Fee $35.00
Stop Payment Fee $35.00
Reconcilation Fee $35.00 per hour minimum
Check Printing Fee Prices vary by style with
$5.00 Credit for Direct Deposit

MasterMoney ATM Debit Card Fees

Insuffient Funds (NSF) Fee $35.00
Returned Item Fee $35.00
Returned Check Fee $35.00
Overdraft Fee $35.00 per item / per day
Replacement Card Fee $35.00
Card Request Fee (Without Direct Deposit) $35.00

VISA Credit Card Fees

Returned Check Fee up to $35.00
Telephone Payment Fee $20.00
Over Credit Limit Fee $15.00
Late Payment Fee up to $35.00 after 10 days
Card Replacement Fee $10.00

We do business in accordance with the
Federal Housing Law and the Equal Credit Opportunity Act.