Schedule of Fees and Charges

Schedule of Fees and Charges

Schedule of Fees and Charges for All Accounts - Effective 5/1/2009
(Refer to Truth-in-Savings for specific account fees)

Stop Payments (New or Renewed / 6 Months Duration)

$22.00

Cashier's Check

$7.00

Money Order

$5.00

Replace Lost ATM or Debit Card

$2.50

Deposited Checks (and other items) Returned Unpaid

$10.00

Deposited Items Re-Cleared

$10.00 each

Legal Process Served

$100.00 each

Non-Sufficient Funds (NSF) and Uncollected Funds (UCF) Items (whether paid or returned)

$35.00 each

Maximum NSF or UCF charge (personal accounts)

$175.00 per day

Maximum NSF or UCF charge (business accounts)

$350.00 per day

Overdrafts (created by check, in person withdrawal, ATM withdrawal or other electronic means) are accessed at the rate of:
• Daily periodic rate .00049315

Note: The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

18% per annum

Accounting/Research Fees

$50.00 per hour

Outgoing Wire Transfers (Domestic)
• originated on internet
• not originated on internet

$27.50 each
$35.00 each

Outgoing Wire Transfers (International)
• originated on internet
• not originated on internet

$40.00 plus costs
$45.00 plus costs

Incoming Wire Transfers (Waived for New Account Opening Deposits, including Certificates of Deposit)
• Domestic
• International

$15.00
$20.00

Checks Images on CD-ROM

$40.00 each

Notice of Escheatment/Inactive Account Notice

$2.00

Notary Fee, per signature

$10.00

Traveler's Checks (Single Signer)

1% of face value

Traveler's Checks (Checks for Two)

1.5% of face value

American Express Gift Cheque

$2.50 each

Incoming & Outgoing Collections

$20.00 each plus
wire/cashier's check fees

Foreign Collections

$25.00 each plus cost

Counter Checks

$0.50 each

Courier/Night Deposit Locked Bags

$20.00 each

Key Deposit For Bag

$10.00 each

Night Deposit Key

$15.00 each

Telephone Transfers

$5.00 each

Special Statements

$5.00 each

Statement Copies

$5.00 each

Weekly Statements

$5.00

Photocopies

$0.50 per page

Signature/Endorsement Guarantee

$10.00 each

Annual Maintenance Fee
• Account Balance less than $25,000.00
• Account Balance $25,000.00 or more

* $15.00 for accounts opened prior to January 1, 2006 with account balances less than $10,000.00.

$30.00*
fee waived

Custodial Account Transfer/Closing Fee

$50.00

Annual Rent
• 3'' x 5''
• 5'' x 5''
• 3'' x 10''
• 5'' x 10''
• 10'' x 10''

$40.00
$55.00
$65.00
$80.00
$105.00

Other Charges

Key Deposit

$20.00

Forcible Entry

$50.00 plus cost

Lost Key Charge

$25.00

Delinquent Rental

110% of Rental Due

Check Printing Fees are determined by the check printer and these fees vary, depending upon style chosen and quantity printed.

Each check that rejects from processing due to poor quality printing or image capture issue (usually resulting from 'print-your-own' or non-preferred vendor check stock)
• This fee is not subject to analysis credit.

$0.75

All new accounts will be processed through a consumer reporting agency. All accounts closed for cause will be reported to a consumer reporting agency.