BASIC CHECKING ACCOUNTS:

• Monthly maintenance fee: $1.00
• Fee per check/withdrawal paid per item: $0 .10
• Every $100.00 in minimum balance earns credit back of; $0.10 (not to exceed the total service charge.)

TIERED RATE NOW ACCOUNTS:

• Minimum Balance Fee: If your minimum balance falls below $1000.00 during a statement cycle a $5.00 fee will be charged.
• Fee per withdrawal after first 20 withdrawals: $0.15.

TIERED RATE MONEY MARKET FUND ACCOUNTS:

• Minimum Balance Fee: If the minimum balance falls below $5000.00 during a statement cycle a $5.00 fee will be charged.

HEALTH SAVINGS ACCOUNTS:

• A Health Savings Account (HSA) is a tax-exempt custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents. For additional information please contact us.

THE FOLLOWING FEES APPLY TO ALL OF THE ABOVE MENTIONED ACCOUNTS:

• There will be an Overdraft Fee of $20.00 for each check, draft, withdrawal in person or ACH debit paid against insufficient  funds.
• There will be a Return Item Fee of $20.00 for each check, draft, withdrawal in person or ACH debit returned against insufficient funds.
• Continuous overdraft fee every fifth day: $20.00
• Stop payment fee: $20.00
• Each deposited check returned: $2.00
• Check printing fees vary depending on the style of check ordered.
• If a notice is required for automated internal transfers there will be an transfer notice fee of $2.00 per transfer.

TRANSACTION CARDS:

• Foreign access fee $1.25
• Replacement cards $10.00
• ATM transactions and POS purchases outside the U.S. which are converted by the network may charge an International conversion or service fee using a rate selected by the network.