CHECKING ACCOUNT/ELECTRONIC FUND TRANSFER SERVICES

·          Non Sufficient Funds (NSF)

$30.00 Per Item

·      Overdraft Advance $30.00 Per Item

·          Stop Payment

$30.00 Per Item

·          Overdraft Transfer

$ 5.00 Per Item For All Types

·          ATM / Debit Card Replacement

$ 10.00 Per Occurrence

OTHER SERVICE FEES (APPLICABLE TO ALL ACCOUNTS)

·          Domestic Wire Transfer (Outgoing)

$20.00 Per Transfer

·          International Wire Transfer (Outgoing)

$35.00 Per Transfer

·          Official Check

$10.00 Per Check

·          Money Order

$ 3.00 Per Item

·      Speed Pay Check

$10.00 Per Check

·          Overnight/Express Mail Delivery (at member's request)

$25.00 Per Item

·         Returned Check/Item

$30.00 Per Check/Item

·          Stop Payment U$X FCU's Issued Check

$35.00 Per Check

·          Money Order Reissue

$35.00 Per Money Order

·          Account Reconciliation/Research

$10.00 Per Quarter Hour/$10.00 Min.

·         Copy of Check/Statement

$ 3.00 Per Copy for Employee Retrieval

·         Bad-Address/Undeliverable Mail

$10.00 Per Envelope

·         Minimim Balance

$ 5.00 Per Month

            (Balance below $25 min. required membership share balance)

·         Certified Mail Processing

$25.00 Per Item

·         Escheat/Garnishment/Levy Processing

$50.00 Per Account

·         Christmas Club Early Withdrawal

$ 5.00 Per Occurence

·         Close Primary Savings/Share Account (within 90 days of opening)

$25.00

VISA CREDIT CARDS

·         Card Replacement

$10.00 Per Occurence

·         Late Payment

$25.00 Per Billing Cycle

·         Returned Check/Item

$30.00 Per Check/Item

·         Over Limit

$25 .00 Per Billing Cycle

·         Mechant Draft Copy

$10.00 Per Item

LOANS

·          Late Payment

$25.00 Per Occurrence

·          Return Check/Item

$30.00 Per Check/Item

·        Home Equity Line-lf-Credit - Over Limit

$25.00 Per Check

·          Home Equity Line-lf-Credit - Below $500 Minimum Advance

$25.00 Per Check

REAL ESTATE LOANS

·          Satisfaction Fee

Varies by county

·          Application Fee - Home Equity

$200.00 Per Loan

·          Application Fee - Mortgage

$200.00 Per Loan

*Federal regulations limit pre-authorized, electronic transactions from a savings (regular share) account to six per month.