Fee Schedule

Share Account Fees
Returned Item/NSF Item	$25.00 per item
Stop Payment	$25.00 /request
IRA Maintanence Fee	$20.00
Christmas Club Early Withdrawal Fee	$10.00 per withdrawal

Money Market Accounts
Withdrawal Fee	$10.00 per withdrawal (6 free per month before fee is incurred)
Monthly Service Fee	$5.00 (if account falls below $5,000)

Checking Account Fees
ODP (Overdraft Protection)	$25.00 per item Max $100/day
Returned Item/ NSF Item	$25.00 per item
Returned Item Fee (ie: check you deposited)	$7.00
Stop Payment Fee	$25.00 per item + tax
Check Printing Fee	Prices vary per style of checks
Check Copy Fee	$4.00 per item
Overdraft Transfer From Other Account Fee	$2.00 per transfer
Hobby Checking Account Service Fee	$15.00 per month

Other Service Fee (Applicable to all accounts)
Account Reconciliation Fee	$25.00 per hour after one (1) request, one (1) hour minimum
Account Research Fee	$25.00 per hour after one (1) request, one (1) hour minimum
Statement Copy Fee	$5.00 per copy
Undeliverable Statement Fee	$5.00 per occurance
Deposited Item Return Fee	$7.00 per item
Wire Transfer (incoming) Fee	$5.00 per transfer
Wire Transfer (outgoing) Fee	$20.00 per transfer
International Wire Transfer Fee	$40.00 per transfer
Cashier's Check Made Payable to Other Than Member Fee	$3.00 per check
Cashier's Check Stop Payment Fee (lost or stolen)	$15.00 per request (with a significant waiting period prior to re-issue)
Deposited Item Copy Fee	$4.00 per copy
Money Order Fee	$1.50 per Money Order
Legal Process Fee	$25.00 per item
Inactive Account Fee	$5.00 per month after one (1) year of inactivity and account under $250.00
Account Closure Fee	$20.00 if closed within 90 days of opening/re-opening
Account Re-Open Fee	$20.00 if opened within 90 days of closure
Non-Member Check Cashing Fee	$15.00/item
Withdraw fee for Members Not in Good Standing	$15.00 per withdrawal
Account Abuse Closure	$25.00
Foreign Deposit Item	$12.00
Bill Payment Returned Item or Copy	$10.00
Coin Counting (amounts over $50.00)	2% of amount
Rolled Coin Purchase	$1.00/roll

Electronic Funds Transfer Fees
Non-proprietary ATM Withdrawal or Transfer Fee	$0.75; no charge for deposits
ATM Transactions - all accounts except S14/S20	The first eight (8) transactions per month are FREE; $0.75 per transaction thereafter; "swipe and sign" transactions are always free
ATM Transactions - S14	12/month at no charge
ATM Transactions - S20	4/month at no charge
ATM/Debit Card Replacement Fee	$10.00 per card
ATM Card on eligible Union Vacation accounts	$7.00 per card
NSF/Card Card Capture Fee	$20.00 per item
ATM Empty Envleope Deposit	$25.00

Debit Card Fees
Debit Cards can also be used as an ATM Card	See previous EFT section for applicable fees
Fees When Used As "Swipe and Sign" Purchase	None

Check Cashing Fees
Member with only basic savings account (S1) AND with a balance of less than $100 PRIOR to transaction	$1.00 per $100 of check, up to maximum of $5.00

Misc Fees
Small Dollar Loan Application Fee	$20.00
ATM Empty Envelope Deposit	$25.00 each
Mortgage Subordination Fee	$35.00
Loan Coupon Fee at Loan Issuance	$10.00
Card Payment Convenience Fee	$3.95
Line of Credit Advance ($100 min. per request)	$5.00/request
Overdraft Loan Advance ($50 min. per request)	$1.00/adv
One Time ACH Payment Convenience Fee	$5.00
Converting a member check to a non-member cashiers check	$5.00/check
Bill Payment Returned Item or Photocopy	$10.00
Undeliverable Statement Fee	$5.00/occurrance