The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Replacement ATM card/Debit card $10.00 per card
Custom Photo Debit card $10.00 per card
ATM cash withdrawal $2.00 per transaction at ATMs we do not own or operate
Dollar limit $500.00 per business day
ATM Balance Inquiry $1.00 per inquiry at ATMs we do not own or operate
Cashier’s checks  
Customer $4.00 per check
Replacement of Lost Official Check $5.00 per check
Deposited checks (and other items) returned unpaid $3.00

The categories of transactions for which an overdraft fee may be imposed are those by any of the
following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.

Overdraft* - each overdraft paid $27.50
Nonsufficient funds (NSF)* - each $27.50
Sweep Charge per Transfer $5.00
Account activity printout $2.00 each in excess of one per month
Image statements No charge
Balance inquiry by telephone $1.00 in excess of one per month
Account research $25.00 per hour
Account balancing assistance $25.00 per hour
Account transfers  
Telephone, employee assisted transfers $2.50
Touchtone banking transfers No charge
On-line banking transfers No charge
Stop payments - each $25.00
Account closed within 90 days of opening $20.00
Photocopies $.25 per page
Facsimile - customer $3.00 first page
                                                                                    $1.00 each additional sheet
Facsimile - noncustomer $5.00 first page
                                                                                     $1.00 each additional sheet
Notary Public fee - customer No charge
Notary Public fee - noncustomer $6.00
Outgoing wire transfers  
Customer $15.00 per item
Incoming wire transfers  
Customer $5.00
Outgoing international wire transfers  
Customer Cost plus $25.00
Customer $10.00 per item
Levies or Garnishments, Etc $50.00 plus fees and expenses incurred by Bank in responding to legal action
Safe deposit box annual fee
                       3 x 5....$15.00
                       3 x 10....$30.00
           5 x 10....$45.00
           10 x 10....$80.00
Check printing** fee depends on style of check ordered
Temporary checks $1.00 per check
Check cashing fee - noncustomer $0-$499 = $5.00
  $500-$1,000 = $10.00
  Over $1,000 = 1% of check
Loose coin counting/rolling - noncustomer 10% of amount
Loose coin counting/rolling - customer (non business) No charge
Zipper bags $5.00 each
Lock bags $25.00 each

 *Our Discretionary Overdraft Protection (“ODP”) service will charge your account a $27.50 per-item fee for overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.  If you do not restore your overdrawn account to a positive balance within 32 days, your participation in theODPservice may be terminated.  Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

**The bank reserves the right to require that all purchases of printed checks be done by the bank’s authorized check printers (available upon request). If at any time you should use checks printed by someone other than authorized by the bank, the bank reserves the right to reject every check and charge a fee per check for each check rejected.  We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.