Fee Schedule

SERVICE FEES	FEE
Account Maintenance (per month)	$2.001
Automatic Overdraft Transfer from Savings (limit 3 per month)	$2.00
Inactive Account – Per Month (no activity in 6 months)	$10.00
Dormant Account (inactive 3 consecutive years)	$25.00
Excess Share Withdrawals (over 3 per month)	$5.002
IRA Early Withdrawal (if less than age 59 ½)	$35.00
IRA Maintenance (per year if balance is under $250)	$35.00
Overdrawn Account (per transaction)	$35.00

CHECKING ACCOUNT FEES	FEE
Cancelled Check Copy	$5.00
Bill Payment Stop Payment Fee	$35.00
Bill Payment Return	$35.00
Non-Sufficient Funds (NSF – paid/unpaid per item)	$35.00
Stop Payment (per item or check series)	$35.00
Temporary Checks – Per Checks (4 checks per page)	$2.00

ATM/DEBIT CARD FEES	FEE
Transaction Fees -Foreign ATM	$3.003
Replacement Card	$10.00
VISA Debit Card – Overnight Mailing	$25.00

CREDIT CARD FEES	FEE
Gold Card – Annual Fee*	$20.00
Platinum & Platinum Secured Annual Fee	NONE
Platinum with Rewards Annual Fee*	$25.00
Mailed Credit Card Statement	$5.00
VISA Credit Card – Overnight Mailing	$25.00

MISCELLANEOUS FEES	FEE
Account Reconciliation of Research (per hour, 1.2 hr. min)	$35.00
ACH Returns (NSF – paid/unpaid)	$35.00
Account Paper Statement	$5.00
Account Transaction Printout (in branch)	NONE
Returned Mail Per Instance	$5.00
Collection Items	$15.00
Concorde Account (Monthly, only if less than $10,000 combined share and or loan balances)	$10.00
Deposit Item Returns (third party)	$35.00
Deposit Verification (third party)	$20.00
Duplicate Lien Release (Auto, boat, RV, motorcycle, etc.)	$10.00
Express Account (Monthly, only if less than $1,000 combined share balances)	$7.00
Phone Assisted Payment Transfer/Payment Request	$5.00
Loan Payment (third party online)	$4.95
Money Orders	$1.50
Money Orders Stop Payment	$35.00
Non-Member Check Cashing Fee	$5.00
Notary Fee (non-member per notary)	$5.00
Notary Fee (real estate documents per notary)	$5.00
Official Checks (third party)	$5.00
Official Check Copies	$5.00
Official Check Stop Payments	$35.00
Signature Guarantee	$25.00
Premiere50 (Monthly, only if less than $20,000 in combined share and/or loan balances or less than $15,000 in combined balances with Direct Deposit)	$15.00
Real Estate Loan Modification Fee	$350.00
Skip a Payment (applicable loans)	$35.00
Speed Pay Per Loan (loan payments)	$5.00
Subordination Fee	$250.00
Incoming Wire Non-Writ of Attachment/Levy/Garnishment	$5.00
Verification of Deposit/Mortgage	$25.00
Wire Transfer (domestic)	$25.00
Wire Transfer (international)	$40.00
Incoming Wire Non-Writ of Attachment/Levy/Garnishment	NONE
Writ of Attachment/Levy/Garnishment	$75.00
Duplicate Lien Release	$20.00

GUEST SERVICES FEES	FEE
Money Orders	$1.50
Official Checks (third party)	$5.00

* Fee waived if participating in Express, Concorde, Premiere 50 and Advantage Circle Plus accounts.
 ¹ A $2 fee will be charged each month, beginning at the end of the second year after opening the account. This fee will be waived if, by that time, you maintain a minimum combined daily balance of $250 throughout the month in combined share and checking balances, or if you have a loan or VISA. The account maintenance fee is also waived if you are under 22 years of age or participate in the Concorde, Express, or Premiere50 account package.  
 ² Includes each Share Savings withdrawal in excess of three per month: applies to over-the-counter, DOTTIE, Account Access, and mail withdrawals only; does not affect ATM withdrawals or transfers from savings to checking or loans. Members who maintain a minimum $2,000 Share Savings balance are exempt.  
 ³ A fee may be imposed by the owner of the ATM.  

Disclosures

Truth-In-Savings
Funds Availability
Membership and Account Agreement
EFT Disclosure