Fee Schedule Disclosure

JANUARY 1, 2018

Regular Share/Savings
Below Minimum Balance $ 3.00/month
Excessive Withdrawals > 6 per month $ 1.00 each

Christmas Club
  
Withdrawal over 1 per year (One withdrawal between Oct. 25th & Dec. 31st) $ 5.00 or 90 days of dividends (the greater of)

Individual Retirement Accounts (IRAs)
  
IRA Annual Maintenance Fee $ 10.00/type
IRA Closing Fee $ 25.00/type
IRA Transfer Fee $ 20.00

Other Service Fees
  
Checks to 3rd Party $ 2.00 each
Cash Check Non Member $ 10.00 each
Wire Transfer (Incoming) $ 10.00 each
Wire Transfer (Outgoing) $ 20.00 each
Wire - International $ 50.00 each
Wire Tracer Fee $ 10.00
Return Statement/Mail $ 7.50 each
Dormant Account > 1 year*** $ 5.00/month
Account Reconciliation $ 15.00/1/2 hour
Account Research $ 1.00 pg/20.00 hr
Trust Acct Conversion - Share $ 25.00 per acct
Trust Acct Conversion- Loan $ 50.00 per loan
Convert to New Account $ 10.00 per acct.
Statement - Paper $ 3.00/month
Close Membership $ 10.00
Overnight Mail/Parcel $ 30.00 each
Garnishment/Levy processing $ 30.00 each
Certified Check $ 5.00 each
Cashier's Check $ 5.00 each
Stale Date Check Replacement $ 5.00 each

Loan
  
Processing fee $ 30.00
Late payment fee $ 15.00/3rd  day
Title processing fee $ 15.00
Return payment fee $ 29.00

HSA Additional Fees
  
Monthly Maintenance** $ 2.50 monthly
Closing Fee $ 25.00

Checking Account
  
Return Check - NSF (insufficient funds) $ 29.00 each
Overdraft transfer fee $ 2.00
Stop payment $ 15.00
 (Consecutive range of drafts) $ 18.00
Courtesy Pay Access (opt in only) $ 24.00 each
Deposit Return - 3rd Party $ 15.00 each
Deposit Return -  non 3rd party $ 29.00 each
Closing Fee $ 5.00
Negative Balance fee $ 8.00/month
Check Copy - Teller Assisted $ 3.00 each
Check Printing $ As quoted

Electronic Funds Transfer
 
ATM Cash Withdrawal (first 4 per mo)* $ Free
ATM Cash Withdrawal (after 4 per mo)* $ .50 each
ATM Balance Inquiry $ .25 each
ATM/ Mobile Deposit (1st 5 per mo) * $ Free
ATM/Mobile Deposit (after 5 per mo)* $ 1.50 each
ATM Insufficient Balance (opt in only) $ 29.00 each
ATM/ Mobile Deposit Return 3rd Party $ 15.00 each
ATM/Mobile Deposit Return $ 29.00 each
ATM Debit Purchase $ Free
ATM Pin Change $ 1.00
ATM Daily Limit Increase $ 2.00
Point of Sale Decline $ 1.50
ATM/Mobile Deposit Adjustment $ 10.00 each
Direct Deposits & Payments $ Free
ACH Insufficient $ 29.00 each
Plastic Reissue $ 7.25 each
Billpayer Services $ 3.80/month
International ACH (IAT) $ 2.00 each
ACH Setup fee $ 5.00 each
E-Statement $ Free

  * ATM owner may impose additional charges or surcharges
** Waived for WOC health plan receiving e-statements
*** Not applicable for IRA & HSA