SCHEDULE OF FEES

Effective Date 10/01/2019

Share Value
Par Value of One Share $5.00
Share Draft Account Fees
NSF Fee/Overdraft Fee $30.00/Item
Returned Item Fee $30.00/Item
Stop Payment Fee $30.00/Request
Courtesy Pay Fee $30.00/Item
EFT Fees
Card Replacement Fee $10.00/Card
ACH Overdraft Fee $30.00/Item
Debit Card Overdraft Fee $30.00/Item
Denied Debit Card Chargeback Fee $15.00
Safe Deposit Box Fees
Annual Rental Size 3x5x24 $20.00
Annual Rental Size 5x5x24 $20.00
Annual Rental Size 3x10x24 $30.00
Annual Rental Size 5x10x24 $35.00
Annual Rental Size 10x10x24 $45.00
Annual Rental Size 10x15x24 $55.00
Annual Rental Size 15x22x24 $55.00
Annual Rental Size 10x44x24 $65.00
Change of Locks $20.00/Lock
Drilling of Boxes $150.00/Box
Additional Key $20.00/Key
Other Service Fees
Domestic Wire Transfer Fee (Outgoing) $35.00/Transfer 
International Wire Transfer Fee (Outgoing) $75.00/Transfer
Wire Transfer Fee (Incoming) FREE
Garnishment Fee $30.00
Cashier's Check FREE
Money Order FREE
Account Reconciliation $15.00/Hour ($15.00 Min Charge)
Account Research $15.00/Hour ($15.00 Min Charge)
Statement Copy Fee $3.00/Copy
Deposited Item Return Fee $30.00/Item (When drawer and payee are the same)
Dormant Account Fee $30.00/Month (Charged after 12 months with no monetary transactions)
Account Closure Fee $5.00/Account (If closed within 3 months of opening)
Automatic Transfer fee $1.00/Transfer
Returned Mail / Bad Address Fee $30.00/Month
Check Copy Fee $3.50/Copy
Account Balance Verification Letter $5.00/Letter
Excessive Transfer Fee (Over 6 unsigned transfers from a savings, IRA, or Money Market account in a month) This includes overdraft, Home Banking, and Electronic Transfers $5.00/Transfer (effective 11/01/2019)
Service Fee for NOT maintaining minimum balance of $500.00 on Traditional IRA, Educational IRA, Roth IRA and SEP IRA  $5.00/Month
Service Fee for NOT maintaining minimum balance of $2,500.00 on Share Money Market account $5.00/Month
Service Fee for NOT maintaining minimum balance of $500.00 on Dividend Checking account $5.00/Month
Bank to Bank Transfer (Outgoing) $1.00/Transfer
Bank to Bank Transfer (Incoming) FREE
ACH Set Up Fee (Outgoing) $15.00
ACH Set Up Fee (Incoming) FREE
ACH Same Day Fee (Outgoing/Incoming) $15.00
Coin Machine Exchange FREE
Processing Fee for remitting a balance to any state/government authority under unclaimed property law $50.00