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Fee Schedule  Effective August 1, 2009
Share/Savings Account Fees
IRA Accounts
IRA Withdrawal Fee 10% of amount of withdrawal, not to exceed $50.00.
Share/Savings Account  
Excessive Withdrawal Fee $10.00 Per Withdrawal after two(2) withdrawals per month
Check Mailing $1.00
Returned Mail $5.00
Below Minimum $5.00
Club/Youth Savings  
Excessive Withdrawal Fee $10.00 Per withdrawal after one (1) withdrawal per month
Share Draft/Checking Account Fees
Non-Sufficient Funds/Overdraft Fee $25.00/item
Check Printing Fee Prices may vary depending upon style
Courtesy Transfer Fee $10.00/item
Temporary Check Printing Fee $2.00/page

Card Reissue

$8.00/Card

PIN Reissue

$5.00/PIN

Card/PIN Replacement

$10.00/SET

Stop Payment

$25.00/Request

Return Item 1st Party

$25.00/Item

Return Item 3rd Party

$10.00/Item

Redeposit

$10.00/Item

Loans

Late Charge

5% of Monthly Payment after 10 days, $25.00 min

Phone in Visa/Mastercard Payment for Loan

$10.00

Skip a Payment

$25.00

Gap Insurance

$350.00/Per Loan

Other Service Fees (applicable to all accounts)
Wire Transfer Fee (Outgoing - Domestic) $20.00/transfer
Wire Transfer Fee (Outgoing - International) $30.00/transfer
Account Reconciliation $20.00/hour ($10.00 minimum charge)
Account Research $20.00/hour ($10.00 minimum charge)
Statement Copy $2.00/copy
Items Sent for Collection Fee $10.00/item
Cashiers' Check $6.00/check
1st Party Teller Check Free
3rd Party Teller Check $5.00/Check
Account Activity Printout $2.00/item
Check Copy $2.00/item
Account Closure Fee $10.00 (if account is closed within 90 days of opening)

Check Cashing Fee ( accounts under $500 )

1% of Check Amount

Electronic Funds Transfer Fees
Debit Card Transaction $2.00 each from Share Account
ATM Transaction $2.00 each from Share Account
Non-Sufficient funds/Overdraft Fee $25.00/item
Insufficient ATM Withdrawal Fee $25.00/item