Fee
Schedule - as of July 1, 2008
Open Regular Share Account (New Member) No Fee Re-open Closed Regular Share Account (within a 6 month period) $15.00 Dormant Account (inactive for 3 years) $20.00 Home Banking24 No Fee Bill Payer - Unlimited Transactions (Introductory offer - first 6 months free) $5.00 / month Access24 (Audio Response System) No Fee Postage Stamp Books (3 books max. / member / month) No Fee Money Order $ 2.00 3rd Party Credit Union Check, $500 or more No Fee 3rd Party Credit Union Check, $500 or less $ 2.00 American Express Gift Check $ 2.00 American Express Travelers Checks, Single Signature No Fee Foreign Check Transaction $15.00 Insufficient Returned Check $20.00 Wire Transfers Wire Out - Domestic $15.00 Wire Out - International $35.00 Share Drafts Personal Share Drafts - Per Transaction & Monthly Service Charge No Fee - "New Account" - First Box of Basic Checks No Fee - "Golden Age" - (60 Yrs & d/d) 2 Boxes of Basic Checks per Calendar Year No Fee Business Share Drafts - Per Transaction* Charge $ .20 Stop Payment $15.00 Insufficient Returned Item $20.00 Insufficient Paid By Share Transfer $ 3.00 Copy of Draft (free via Home Banking24) $ 5.00 Electronic Statement Delivery (E-Statement) (free via Home Banking24) No Fee Hard Copy Transaction History or Statement Reproduction (2 free / month) $ 5.00 * Transactions are defined as deposits, checks paid, withdrawals, transfers, and ACH debits & credits ACH Insufficient Returned Item $20.00 Insufficient Paid By Share Transfer $ 3.00 ATM / Check Card [Daily Transaction Limits: ATM-$500 POS-$2,000] POS (Debit), Transfer, or Deposit Transactions No Fee Withdrawals (10 free Transactions / month) $ 0.75 Balance Inquiries (10 free Transactions / month) $ 0.75 Insufficient Funds $20.00 Insufficient Paid By Share Transfer $ 3.00 Card Replacement $10.00 VISA Credit Card Annual Fee No Fee Over Limit Fee $15.00 Late Payment Fee $20.00 Return Check Fee $20.00 Card Replacement $10.00 Miscellaneous Returned Mail: Incorrect Address Fee $ 1.50 Account Research and Account Balancing (per hour) $10.00 Term Share Certificate: Early Withdrawal Penalty
**this fee does not apply to IRA Certificates requiring mandatory IRA distributions.** 180 Days' Dividends Request for Account Activity and/or Balances
***this fee will not be enforced unless requests occur more than twice per week$***1.00 per request