FEES & CHARGES

The rate and fee schedule for all accounts sets forth certain conditions, rates, and charges applicable to your accounts.

As of February 10, 2011
Fees applicable to all accounts except certificates.

Share Draft/ACH/Business Account Fees

Monthly Service Fee	Free - $5.00
Insufficient Funds Fee	$30.00 Per Item
Automated/Overdraft Transfer Fee	$4.00 Per Item
Stop Payment Order Fee	$10.00 Per Order
Draft Copy Fee	$4.00 Per Copy
Draft/Check Printing Fee	See Price List
Empty ATM Envelope Fee	$50.00 Per Item

Miscellaneous Fees

Returned Item Fee	$30.00 Per Item
Account Reconciliation Fee	$15.00 Per Hour
Statement Copy Fee	$4.00 Per Page
Wire Transfer Fee	$12.00 - $35.00
Dormant Account Fee	$2.00 Per Month
FRB Returned Item Fee	$27.00 Per Item
Money Order Fee	$1.00 Per Item
60 Years and Older	FREE
Garnishment/Levy Fee	$20.00 Per Item
New Account Fee	$5.00 Per Account
Corporate Draft made payable to Non Member	$2.00 Per Draft
Postal Forced Change of Address Fee	$2.00 Per Change
Loan Re-application Fee	$35.00
Fax Fee	$1.00 Per Page
Check Cashing Fee	FREE - $7.00
Annual IRA Fee	$15.00 Per Year
IRA New Account Fee	$2.00 Per IRA
IRA Closed Account Fee	$5.00 Per IRA
ATM Withdrawal Fee	Free-$1.00
ATM PIN Reissue Fee	$2.00 Per PIN
Additional/Replacement VISA Card Fee	$5.00 Per Card
Additional/Replacement ATM/Debit Card Fee	$5.00 Per Card
Starter checks fee	$1.50 per page