ADDITIONAL FEES & SERVICES

Check Cashing (non-customer) ………………....….. 1.5% of total cashed
Money Orders …………………………………..….…… $3.00 each
Wire Transfer (per item) Incoming …………...………….……. $25.00
Wire Transfer (per item) Outgoing ……………………….….……. $25.00
Collection Items ………………………….…………………..…...….. $10.00
Minimum interest on loans ……………….……..…………………. $40.00
Stop Payment ……………………………….……………….……….. $10.00 per item
Returned NSF Item Fee¹ …….……………... $25.00 per item
Overdraft Item Fee² ……………………………..………………… $25.00 per item
Continous Overdraft Charge 3................................................ $5.00 per day
Account Research ..................................................... $25.00 per hour
Cashier's Check...................... $5.00
Non-Customer Fax...................................................... $2.00 per page
Non-Customer Notary............................................. $1.00 per page
Non-Customer Coin Counting.................................. 3% of total
Telephone Transfer................................................ $5.00
Lost CD Idemnity Bond......................................... $25.00
Closing Account within 90 days of Opening........................... $50.00
Letter of Credit.................................................... 1/2% of year amount Min $50.00
Undeliverable Statement................................. $7.00
Dormant Account (6months)........................................ $5.00
Safety Deposit Key Lease Fee (refunded when keys returned)............ $25.00
IRA Transfer Fee......................................... $40.00
Box Drilling Fee............................................................ $150.00
Duplicate 1099................................................... $5.00
Saving Account with less than $100 (if no other deposit accounts)......... 1.5% to cash checks
Corrections for Excess IRA Contrib. or Premature Distrib. Fee............... $10.00

¹Returned NSF Item Fee – Will be charged for each item that is returned due to nonsufficient funds in the acocunt to cover the item presented.
²Overdraft Item Fee – Applies to overdrafts created by check, in-person withdrawal, or other sorts of electronic means.

3A continous overdraft charge of $5 will be charged each business day, beginning on the 8th calendar day that the account remains in a negative balance status.  The fee will be charged for any situation which causes the account balance to become negative.  It will be disclosed on the statement as OVERDRAFT CHARGE and included in the TOTAL OVERDRAFT FEES.