Account Service Fees

Effective January 1, 2003

Checking Account:

Freedom Checking

$5.00/monthly

Return Check Charge

$20.00/check

Checks Manually Paid

$5.00/check

Copy of Paid Check

$2.00/check

Copy of Statement

$2.00/month

Stop Payment on Checks

$15.00/check/ series

Check Book Balancing (Research)

$15.00/hr

Personal Check Orders:

(Cost depends on check style ordered)

Freedom Checking - Check Order (Basic Style)

50% of cost

Standard Checking -Check Order

Listed Price

Last Chance Checking

Listed Price

VISA Check Card (Debit Card):

Debit Card Fee

(No fee with direct deposit into primary account)

$1.00/month

Freedom Checking

(.75 /withdrawal after 10)

Standard Checking

(.75 /withdrawal after 6)

Lost Card Fee

$25.00

Transfer Fee

.$5.00/transfer

Overdraw Fee

$20.00

Visa Credit Card

Late Fee

$25.00

Over limit Fee

$20.00

Lost Card Fee

$25.00

Automated Clearing House (ACH) Fees

Return Charge

$20.00/return

Stop Payment

$15.00/return

Transfer Fee

$ 5.00/transfer

Other Service Fees:

Travelers Checks (per $100.00)

$ 1.00

Western Union

$15.00

International Wire Transfers

$30.00/wire

U.S. Wire Transfers

$15.00/wire

IRA Annual Account Fee

$10.00

I.R.S. Levy

$25.00

Internet Access/Bill Payer Service

$4.95/month

Money Orders

$ 2.00/each

Skip Payment Fee

$25.00

Second Mortgage/ Home Equity Application Fee

$350.00

Deposited Check Returned

$25.00/check

Returned Mail Fee

$2.00/item

Bulk Checks, Cashing Fee (10 and up)

$10.00

Cashier Check

$5.00/check

Excessive W/D fee (7 or more per month)

$2.00/each

Check Cashing Fee

(With share balances below $250.00)

$1.00/each

Inactive Fee (Dormant)

(No activity for 6 months or more)

$5.00 month

Loan Payment Late Fee-

5% of delinquent amt or $5.00 minimum

Safe Deposit Box

One Time Set-up charge

Fee Depending on Box Size (Box sizes available 3x5; 5x5; 3x10; 5x10; and 10x10)

$10.00 Annual Rent

$15.00 - $100.00