Service Charges & Fees

NOW/MONEYMARKET/DEMAND ACCOUNT CHECKING FEES

Description	Amount
Charge for Insufficient Funds (Check & ACH) Per Item Presentment and Re-presentment	$25.00 Per Item
Returned Check Charge	$25.00 Per Item
Stop Payment	$15.00
Research	$20.00 Per Hour
Reconciliation	$15.00 Per Hour
NOW Account Monthly Service Charge (Average Balance Below $100.00)	$5.00 Per Month
Inactive NOW Accounts	$1.00 Per Month
(One Year)
Check Orders	Fee based on style of checks ordered
(Account will automatically be charged for checks ordered from us)
Overdraft Protection Transfer	$3.00 Per Withdrawal
Non-customer On Us Check Cash	$2.00 Per Check

Description	Amount
Charge for Insufficient Funds (ACH) Per Item Presentment and	$25.00 Per Item
Re-presentment
Lost Passbook	$5.00
Inactive Savings Account	$1.00 Per Month
(One Year)
Overdraft Protection Transfer	$3.00 per transfer
Early Close Out (before 90 days)	$10.00

Description	Amount
Wire Transfers	Incoming $5.00 Outgoing $15.00 to $40.00 Per Item
IRA Transfer/Closeout	$25.00
Treasurer Check (one free per day per withdrawal)	$5.00
Money Order (one free per day per withdrawal)	$2.00
Reissue Treasurer Check or Money Order	$15.00
Notary Service / Signature Guarantee (For Customers)	FREE
Safe Deposit Box	Cost Based on Size
Safe Deposit Box Key Replacement	$35.00
Safe Deposit Box Drilling Cost Plus	Cost determined by locksmith
Safe Deposit Box Late Charge	$1.50 Per Month
Night Deposit Locked Bags	1st 3 free/replacements $10.00 each
MasterMoney/ATM Card Replacement	$5.00
Address Correction	$5.00
Photocopies	$0.25 per page
Check Cashing (Non-Customer/ Local Payroll Only)	$2.00
Online Banking	FREE
Online Bill Pay	$4.00 per month up to 10 bills, additional .55 each.
	$2.00 per month with direct deposit and debit card.
Legal Fees / Processing Levies	$50.00