Fee Schedule

Fee Schedule
Effective May 1, 2009

Primary Share Account
Minimum per share balance required (requirement, not a fee)	$5.00
Minimum balance to earn dividends (requirement, not a fee)	$100.00
Monthly service charge for accounts that are below $100.00 at the end of the month	$2.00
Transaction fee (after 2 withdrawals per month)	$1.00 each
Withdrawal fee for an official check if less than 1,000.00	$2.00
Statement Copy	$3.00
Closing Account Fee (if closed within 3 months of opening)	$10.00
Account Reopen Fee (within 3 months of closing)  (Plus $5.00 minimum balance which must be deposited to open account)	$25.00
Regular Checking Account
Minimum Balance	$0.00
Non Sufficient Funds (NSF) Fee	$27.50
Overdraft from Line of Credit Fee	$5.00
Overdraft from Share Transfer Fee	$5.00
Stop Payment Order	$27.50
Check Copy	$2.00
Statement Copy	$3.00
Return Item	$27.50
ATM and Debit Cards
ATM withdrawals exceeding 6 per month	$.50 each
ATM/Debit Card replacement	$10.00
Check Card/ATM NSF Fee	$27.50
Unblock Reactivation Fee	$10.00
VISA Cards
VISA Card Replacement	$5.00
VISA Late Fee	$10.00
Returned Checks	$27.50
Photostatic Copies	$5.00 each
Cash Advance Fee	Free
Other Fees
Returned Item	$27.50
Money Order	$1.00
Wire Transfer (outgoing)	$15.00
Wire Transfer (incoming)	Free
ACH Return	$27.50
Account Reconciliation, per hour (minimum 1 hour)	$20.00
Garnishment Fee	$10.00
Verification of Deposit Fee	$2.00
Annual Safe Deposit Box Rental	Varies
Official Check Replacement Fee	$5.00