Fees

Effective January 1, 2005

Share Accounts
Membership Fee	$5.00
Excessive Withdrawal Fee (after 5 per month)	$1.25 ea.
Returned Mail (Bad Address)	$2.50 ea.
Returned ACH fee	$30.00 ea.
Dormant Account Fee	$5.00 mo.
Deposited Returned Item Fee	$25.00 ea.
Share Draft
Insufficient Funds check	$30.00 ea.
Courtesy Pay	$30.00 ea.
Returned Mail (Bad Address)	$2.50 ea.
Returned ACH fee	$30.00 ea.
Deposit Return Fee	$25.00 ea.
Copies of Cancelled Checks - at Branch	$2.00 ea.
Stop Payment Fee	$25.00 ea.
ATM
ATM Withdrawal (not our ATM)	$1.00 ea.
Balance Inquiry (not our ATM)	$.50 ea.
Card Re-Order Fee	$5.00 ea.
Negative Balance via ATM	$30.00 ea.
Money Market
Minimum Balance Fee (under $2,500)	$5.00 mo.
Excessive Activity (after three withdrawals)	$6.00 ea.
Miscellaneous Fees
Credit Card Processor Service	$10.00 mo.
Bill Pay Service	$6.00 mo.
Money Orders	$1.50 ea.
Official Checks	$10.00 ea.
Gift Checks (Amex)	$2.00 ea
Tax Levy Fee	$25.00 ea
Statement Copy Fee (per month)	$2.50 ea
Research Fee (min. 1 hour)	$25.00/hr
Wire Transfer Fee - Domestic	$15.00 ea
Wire Transfer Fee - International	$35.00 ea

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