Effective July 1, 2010

Charges are subject to change. Proper notice will be given before any change is made.

NOW Accounts *

Account Maintenance – if the daily balance drops below $1,000.00 any day of the statement cycle:	$ 3.00
Per Check – if the balance goes below $1,000.00 between statement dates:	$ .20

Basic Checking Accounts *

Account Maintenance:	No Charge
Per Check:	No Charge

* Account holders age 60 & over are eligible for a free NOW or Basic Checking Account with no minimum balance requirement. (Free account means no maintenance fee or per check fee.)

Money Market Plus Accounts

Account Maintenance – if the daily balance drops below $ 2,500.00 any day of the month:	$ 1.00
Each check, preauthorized or electronic transaction over the limit of 6 per statement cycle:	$ 5.00

Regular Savings Accounts

Account Maintenance – if the daily balance drops below $ 10.00 any day of the month:

$ 1.00

90-Day Notice Accounts

Account Maintenance – if the daily balance drops below $ 10.00 any day of the month:

$ 1.00

Retirement Accounts

Annual Maintenance:	$ 10.00
Outgoing Trustee Transfer:	$ 10.00

ATM Service Charges*

“On us” ATM transactions- When using an ATM machine owned by this institution:

No Charge

NOW Checking Accounts ATM Charges
If a $ 1,000.00 minimum balance is maintained between statement dates:	No Charge
If the minimum balance goes below $1,000.00 between statement dates:
1st four (4) ATM transactions Withdrawal Balance Inquiry Transfers Between Account	No Charge $1.00 $0.50 $1.00
Basic Checking ATM Charges
1st four (4) ATM transactions Withdrawal Balance Inquiry Transfers Between Accounts	No Charge $ 1.00 $ 0.50 $ 1.00
Money Market Plus and Regular Savings Accounts ATM Charges
1st four (4) ATM transactions Withdrawal Balance Inquiry Transfers Between Accounts	No Charge $ 1.00 $ 0.50 $ 1.00

*Note: Owners of other ATMs may charge surcharge for the use of their ATM.

Point of Sale (POS)

P.O.S. transactions- When using either a Debit Card or ATM Card:

No Charge

Online Banking

Online Banking or Internet Banking with Bill Payment
Monthly service charge for the use of Online Banking with or without Bill Payment Bill Payment Stop Payment Fee	No Charge $25.00

Phone Banking

Inquiries and Transfers:

No Charge

Other Fees and Charges

Insufficient Funds: (NFS Return Item and Overdraft charges may be created by check, in-person withdral, ATM withdrawal, or other electronic means.)	$ 20.00
Stop Payment:	$ 15.00
Returned Deposit Item:	$ 15.00
Statement Reconciliation (per hour):	$ 25.00
Check Copies (each):	$ 4.00
Check Order Charge: (Depends on the style of check ordered)	Variable
Lost Passbook:	$ 5.00
Replacement ATM/Debit Card:	$ 5.00
Account Research (per hour):	$ 25.00
Account Inquiries (3 Free per month):	$ 1.00
Checks Purchased
Money Orders: Treasurer’s (2 FREE per day with withdrawals):	$ 1.00 $ 3.00
Wire Transfers
Domestic: Foreign:	$ 15.00 Variable
Foreign Checks / Checks sent for collection Canadian Other ForeignDomestic received Domestic sent	$ 15.00 $ 10.00 plus direct cost $ 10.00 $ 20.00
Tax Levies/Trustee Writs & Legal Process:	$ 25.00
Escheatment/Abandoned Property:	$ 25.00

Safe Deposit Boxes (annual fee)

Business Checking Accounts

Account Maintenance:
Account Balances of $10,000.00 or greater Monthly fee if minimum average balance of $10,000 is maintained between statements dates	No Charge
Account Balances of less than $10,000.00 but equal to or greater than $5,000 Monthly fee if average balance of between statement dates is less than $10,000 but equal to or greater than $5,000	$10.00
Account Balances of less than $5,000 Monthly fee if average balance of between statement dates is less than $5,000	$20.00
Check Withdrawals:
Per check fee for the first one hundred (100) check withdrawals between statement dates	No Charge
Per check fee for each check withdrawal over one hundred (100) between statement dates	$ 0.25

Charges are subject to change. Proper notice will be given before any change is made.