Mail Deposits

Direct Deposits

On-line Transfers

Telephone Transfers

ACH Items

Incoming

Outgoing

Cash Machine / Check Card

ATM / Check Card issuance fee

ATM / Check Card replacement card

Expedited Debit or ATM Card

Expedited Debit or ATM Card PIN

Monthly, Quarterly Account Statements (Checking, Savings, Money Market) - Effective January 1, 2009

Electronic Statements

Paper Statements - Applicable with the third statement cycle for Checking, Savings and Money    Market accounts opened on or after January 1, 2009

Negative Account Balance (per calendar day, after 5 days)

Free Checking

Interest Checking

Absolute Savings

Monthly Maintenance - Based on average monthly balance

Interest Checking Linked to Absolute Savings Account

Interest Checking - Average monthly balance below $200.00

Mileage Checking - Average monthly balance below $200.00

Money Market Savings - Average monthly balance below $200.00

Absolute Savings - Average monthly balance below $10,000.00

High Yield Money Market Savings - Average monthly balance below $10,000.00

Mileage Savings - Average monthly balance below $10,000.00

Wire Transfers

Incoming

Outgoing Domestic (Effective January 1, 2009 fee will be $30)

Outgoing Foreign

Research

Check Copy

Statement Copy

Research on account (per hour)

Overdraft created by Check, ATM or other Electronic means, Fees and Returned Checks (Effective January 1, 2009 Fee will be $35)

Returned On-Us Items

Cashier's Check

Early Closing Fee (within 180 days)

Garnishments, Executions and Levies

Overnight Federal Express Service (At Customer's Request)
(* Additional Charges Applied For Saturday Delivery)

Exceeding limit of 3 checks per statement cycle (Money Market Only)
($10 fee is assessed on each check over the limit of 3 per statement cycle)

Bill Payments and Money HQ Products Provided By Online Resources Corporation - Fee Schedule

Bill Payment service is FREE with Direct Deposit or a minimum average monthly balance of $1,500.00.

Below Minimum Average Monthly Balance

Each item over 25 items per month

Money HQ Services

Each transfer made outside the Bank  (Fee shall be deducted from your primary account at monthend)

Next Day Transfer  (Fee shall be deducted from the account you are transferring from at the time of the transfer)