Disclosures

CHECKING ACCOUNT FEES

Overdraft $25.00 per item
NSF $25.00 per item
Return Item $25.00 per item
Courtesy Pay $25.00 per item
Stop Payment $25.00 per item
Overdraft Protection(LOC) $20.00 per year
Copy of Paid Check $2.00 per check

CHECKING WITH INTEREST ACCOUNT FEES

Service Charge 8.00 per month if account balance drops below $500.

MONEY MARKET ACCOUNT FEES

Service Charge 8.00 per month if account balance is less than $2,000.

CHRISTMAS CLUB ACCOUNT FEES

Account Withdrawal $5.00 per withdrawal, account is closed and no interest is paid.

ELECTRONIC FUND TRANSFER FEES

Debit Card Replacement $5.00 per card
ACH Overdraft $25.00 per item
Debit Card Overdraft $25.00 per item
ATM Debit Card Withdrawal $1.00 per withdrawal after 4 per month
VISA: Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transaction is a rate selected by VISA from a range of rates available in wholesale currency markets from the applicable central processing date, which rate may vary from the rate VISA itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

A fee of 1 percent of the amount of the transaction, calculated in U.S. dollars will be imposed on all multiple currency foreign transactions, including purchases, cash withdrawals and credit to your account. A fee of 0.8 percent of the amount of the transaction, calculated in U.S. dollars will be imposed on all single currency foreign transactions, including purchases, cash withdrawals and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates.

OTHER SERVICE FEES

Excessive Savings Withdrawls $2.00 per third party transactions over 6 per month(savings and money market)
Wire Transfer (Outgoing Foreign) $40.00 per transfer
Wire Transfer (Outgoing Domestic) $25.00 per transfer
One Time ACH Origination $15.00 per transfer
Casher’s Check $3.00 per check
Money Order $3.00 per check
Account Reconciliation $20.00 per hour, $5.00 minimum charge
Account Research $20.00 per hour, $5.00 minimum charge
Deposited Item Returned $2.00 per item
Legal Process $25.00
Mobile Banking $.04 per text after 20
Inactive Account Inactive for 24 months (2 years)  and less than $2500 in account
Return Statement $5.00 per statement
Photocopy $.10 per page
Fax $1.00 per page, incoming and outgoing
Duplicate Statement $2.00 per statement

SMALL BUSINESS CHECKING ACCOUNT FEES

Service Charge $15.00 per month if account balance drops below $2000 during the month
Deposit Items First 250 items deposited are free. $.10 per item fee thereafter
Cleared Checks First 50 cleared checks are free. $.10 per item fee thereafter
Overdraft $25.00 per item
NSF $25.00 per item
Return Item $25.00 per item
Stop Payment $25.00 per item
Overdraft Protection(LOC) $20.00 per year
Copy of Paid Check $2.00 per check. (Available for free through on-line banking.)

Policies