Schedule of Fees
(Effective February 1, 2007)


The following fees may be assessed against your account and the following transactions, if any, apply to you account.

ATM Fees
Point-Of-Sale (POS) Transactions $ 1.00
Additional Cards No Charge
Annual Per debit card fee $10

Services
Automatic Transfer of Funds from Savings to Checking (for overdraft protection) $3.00
Cashier's Check (each) $5.00
Personal Money Order (each) $4.00
Traveler's Checks (per $100) $1.00
Account research per hour ($10 min.) $40.00
Account reconciliation per hour ($10 min.) $40.00
Telephone Transfer $3.00
Microfilm (per copy) $5.00
Coin Counting (non-customers) 5% of Total
Coupon collections $5.00
Loan coupon book replacement $5.00
Garnishments/levies $50.00
Statement copies (optical) $2.00
Photocopies $0.25
Account closed within 90 days of opening $10.00

Share Draft Fees
Check Printing
(Fee depends upon style and quantity of check order)
Actual Cost of Checks
Overdraft (each debit or check paid) $30.00
Nonsufficient funds (NSF) per item $30.00
$5.00 per day charge for any account in overdraft for over five consecutive days
Stop payments (all items) $20.00
Overdraft Protection Transfer Fee $2.00

Safe Deposit Boxes
Lost key $10.00
Box drilling $100.00

Wire Transfers
Domestic (Outgoing) $20.00
Domestic (Incoming) $10.00

Internet Banking Services
Account inquiry, history and transfer No Charge
Bill Payment (First 6 months free)
Monthly fee thereafter
(Includes 10 bills)
$6.00
Fee per bill after 10 bills $0.50