FEE SCHEDULE

Service & Account Fee Overview

Account & Transaction Fees

Item	Fee
Account Print-Out	$3.00 per print-out
Account Reconciliation	$20.00 per hour
Account Research	$20.00 per hour
ACH Overdraft	$35.00 per transaction
ATM Surcharge (non-members only)	$2.25 per transaction
ATM Transactions - Eight per month no charge (includes Balance Inquiries)	$1.00 per transaction
ATM / POS Overdraft	$35.00 per item
Bad Address	$5.00
Certified Check	$5.00 per item
Chargeback	$25.00 per item
Check Cashing - Members	$3.00 per check
Check Cashing - Non-members	$10.00 per check
Check Copy	$3.00 per item
Closed Account (within 90 days)	$10.00
Coin Machine Deposit - Members	4.00% of value
Coin Machine Deposit - Non-members	8.00% of value
Copy of a Statement	$3.00 per statement
Courtesy Pay	$30.00 per item
Deposited Item Return	$35.00 per item
Dormant Account - Account inactive after 12 months	$3.00 per month
Encumbrance	$81.00
Escheat Processing	$75.00
Foreign Check Processing	$10.00 per item
Inactive Bill Pay	$6.00 per month
IRA transfer to another Financial Institution	$30.00
Loan Payment Late Fee	$25.00 per month
Money Order	$1.25 per M.O.
One-time Electronic Payment (ACH) with another FI	$10.00 per item
Overdraft Protection Transfer Fee	$5.00
Returned Item	$35.00 per item
Skip-a-Payment	$39.00
Stop-a-Payment	$20.00 per item
Subordination	1.00% of loan balance
Subpoenas, Garnishments/Levys	$75.00
Temporary Checks	$1.00 per 4 checks
VISA Check Card Replacement	$5.00 per card
VISA Credit Card Late Payment	$25.00 per month
VISA Credit Card Replacement	$5.00 per card
VISA Gift Cards - non-members	$5.00 per card
VISA Gift Cards - members	$2.50 per card
VISA Pre Paid Card Purchase	$6.00 per card
VISA Pre Paid Card Reload	$2.00 per reload
Wire Transfer (domestic outgoing)	$20.00 per transfer
Wire Transfer (international outgoing)	$30.00 per transfer

Safe Deposit Box Fees

Size	Fee
2 x 5	$10.00
3 x 5	$15.00
4 x 5	$20.00
5 x 5	$25.00
2 x 10	$20.00
5 x 10	$50.00
10 x 10	$100.00
SDB Drilling	Applicable rate at time of drilling
SDB Key Replacement	Applicable rate at time of replacement