Returned Deposit Item Charge

Redeposit Charge

Stop Payment — Your Check or ACH Debit

Stop Payment — Our Check

Inactive Account Fee***
***If account is inactive for 1 year and total
balance is less than $250.00

Release Stop Payment

Certified/Cashier's Check

Check Copy/Share Draft

Non-Sufficient Funds (NSF) Checks, ACH
(electronic debit), Regulation D, Overdrawn
or Negative Account, Debit Card Overdraft,
ATM Card or Online Bill Pay NSF

Courtesy Pay

Overdraft Transfer from Shares

Release ACH Stop

Account Opening Fee — Fresh Start Checking

Monthly Service Charge — Fresh Start Checking

ATM Transaction Fee

ATM Card Issue/Replacement

ATM PIN Issue/Replacement

Point of Sale Purchases **

Visa Debit / Check Card Replacement

Visa Debit/ Check Card Pin Replacement

Loan Late Fee

Returned Loan Payment Item Charge

Paper Statements (Effective December 1, 2012)

Electronic Bill Pay

Bill Pay Return Item Fee

Outgoing Domestic Wire Transfer

Incoming Wire Transfers*

American Express Travelers Cheques

American Express Cheques for Two

American Express Gift Cheques

Address Locator/Bad Address Fee

Account Research

Express Mail

Tax Levy/Garnishment

Statement Copy/Account History

Account Closure Within 6 Months

Deposit Verifications (Third Party)

Money Market Excessive Withdraw Fee****