ACCOUNT FEES

Checking Fee - applies if account does not meet eligibility of Core Account or     e-Account.

$12 per month*

Essential Share Fees

   • Single Service Fee - If your Essential Share is your ONLY product, a minimum $300 balance must be maintained; fee charged if requirement is not met.

$5 per month

   • Excessive Withdrawal Fee - No fee on first 6 withdrawals per month

$10 each after first 6

Business Account Fees (Checking/Savings)

•  Sole Proprietorships
  No charge for first 10 checks deposited per day

• Non-profits
  No charge for first 10 checks deposited per day

•  All other entities not including Sole Proprietorships & Non-profits

 $30 per month
$0.25 per check after 10 per day

Money Market Fees

   • Minimum Balance Fee (For balances up to $2,499.99) - If balance not brought up in 30 days, funds transferred to savings and money market is closed

$10

   • Excessive Withdrawal Fee - No fee on first 6 withdrawals per month

$10 each after first 6

Misc. Early Closure Fees (On Christmas Club, Vacation Club, Payday Certificate and Achieve My Dream Certificate)

$5

LOAN FEES

Reconveyance Fee

$10 and up

Subordination Fee

$100

Payoff Demand Fee (Mortgage Loans)

$20

Late Loan Payment Fee (does not apply to real estate loans of Visa® loans)

$15

Loan Modification Fee

$35

Overdraft LOC Over-the-Limit Fee

$10

Visa® Annual Fee

no charge

Visa® Late Fee (after 5 days)

$25

 2%

Returned Loan Payment

$35

MISCELLANEOUS FEES

Account Closure Fee (within 90 days of opening)

$25

Cashier's Check Fee

$5*

Check Printing Fee

varies

Check Copies & Statement Copies Fee (after 5 items, research fee may apply in addition to per-copy fee)

$5*
each copy

Miscellaneous Copies (after 5 items, research fee may apply in addition to per-copy fee)

$5*
each copy

Research, Legal, or Reconciliation Fee(one hour minimum)

$35*
per hour

Debit/Credit Card Replacement Fee    (one free card per year)

$5

Rush Card Replacement Fee

$25

Rush PIN Delivery Fee

$25

Dormant Account Fee (365 days inactive)

$5 per month

IRA Annual Maintenance Fee (for balances under $5,000.00)

$25 per year*

IRA Transfer Fee

$40

IRA Closure Fee

$40

Temporary Check Fee (when opening a new account the first 12 checks are free; fee appliesto each check thereafter)

$1 per check*

Foreign Item Fee

$35

Stop Payment Fee

$20 per item

Stop Payment on Check Series Fee

$30

Wire - Domestic Outgoing Fee

$25*

Wire - International Outgoing Fee

$35*

Wire - Outgoing to Latin America Fee

$10*

 $10*

Locator Fee (for return mail/bad address)

$5 per month

Levy/Garnishment Fee

$50

 $30

Non-Sufficient Funds Fee (NSF)

$29

Member Privilege Fee

$29

Online Banking & Telephone Teller

no charge

Online Bill Pay & e-Statements

no charge

Returned Deposit Item Fee

$25

Account Reopening Fee

$10

Card Release Fee

$5

 $5*