Fees and Charges

Check printing fee depends on style ordered
Return fee per NSF item $25.00
Overdraft fee per item $25.00
Personal money orders (up to $1,000) (Bank customers only) $ 2.00
Money orders (Bank customers only) $ 5.00
Account research per hour $25.00
Account balancing assistance per hour $25.00
Deposit item(s) returned unpaid $ 5.00
Wire transfer outgoing (Bank customers only) $20.00
Wire transfer incoming (Bank customers only) $ 0.00
Wire transfers - Foreign Countries (Bank customers only) $60.00
Fax  
  outgoing first five pages $ 3.00
outgoing - per page after fifth page $ 0.50
  incoming $ 1.00
Temporary Check Printing - Per Item (minimum/increments of 4) $ 0.25
Non-customer foreign check  
 -cashing upon discretion 1% or $ 5.00 min
Replace lost ATM/Debit card $10.00
Hot staus ATM/Debit card $15.00
ATM Debit Card Temporary Blocking Fee $ 5.00
ATM Debit Card Rush Fee $10.00
Foreign ATM withdrawal $ 1.00
Stop payment fee $25.00
Photocopies $ 0.10
Non-customer change counting 10% or $5.00 min
Garnishment Fee $15.00
Safe deposit box: (price per year)  
  5 x 5 $30.00
  3 x 10 $35.00
  5 x 10 $40.00
  8 x 10 $60.00
 10 x 10 $60.00
  -Key Replacement $20.00
  -Break Open Fee $200.00
Inactive Account Fee $5.00 per month
ACH Transfer Set-up Fee - Per Transfer $10.00
ACH Transfer Change Fee $10.00
Statement Reprint - per statement $ 5.00

Free Checking Account

Minimum balance to open account - You must deposit $100 to open this account.
Transaction limitations - There are no transaction limitations to this account.
Other features - You will receive a mont
hly statement with your check images.

NOW Account

Rate Information - Your interest rate and annual percentage yield may change
Determination of rate - At our discretion, we may change the interest rate on your account.
Frequence of rate change - We may change the interest rate on your account at any time.
Limitation on rate changes - There are no maximum or minimum interest rate limits for this account.
Compounding and crediting - Interest will be compounded monthly and will be credited to your account monthly.
Effect of closing an account - Interest will be paid at the time your account is closed.
Minimum balance to open the account - You must deposit $1,000 to open this account.
Minimum balance to avoid imposition of fees - A minimum balance fee of $10 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,000. This minimum balance fee will be imposed as a service charge on the statement.
Average daily balance computation method - The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
Accrual of interest on noncash deposits - Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Other features - You will receive a monthly statement with your check images.

Money Market Account

Rate information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account at any time.
Limitations on rate changes - There are no maximum or minimum interest rate limits for this account.
Compounding and crediting - Interest will be compounded monthly and will be credited to your account monthly.
Effect of closing an account - Interest will be paid at the time your account is closed.
Minimum balance to open the account - You must deposit $2,500 to open this account.
Minumum balance to avoid imposition of fees - A minimum balance fee of $10 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $2,500. This minimum balance fee will be imposed as a service charge on the statement.
Average daily balance computation method - The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. You will ean interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
Accrual of interest on noncash deposits - Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Transaction limitations - During any month, you may not make more than 6 withdrawals transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer, telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party.
Other features - You will receive a monthly statement with your check images.

Consumer Treasury Index Money Market Account

Rate information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - Interest rate will change weekly based on the 13 Week US Treasury Bill auction (also known as the 91 day US Treasury Bill).
Limitations on rate changes - There are no maximum or minimum interest rate limits for this account.
Compounding and crediting - Interest will be compounded monthly and will be credited to your account monthly.
Effect of closing an account - Interest will be paid at the time your account is closed.
Minimum balance to open the account - You must deposit $25,000 to open this account.
Minimum balance to avoid imposition of fees - A minimum balance fee of $10 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $25,000. This minimum balance fee will be imposed as a service charge on the statement.
Average daily balance computation method - The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum daily balance of $25,000 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. Interest will be earned and paid at the current Money Market rate if the average daily balance falls below $25,000 for the statement cycle.
Accrual of interest on noncash deposits - Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Transaction limitations - During any month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer, telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party.
Other features - You will receive a monthly statement with your check images.

Passbook Savings

Rate information - Your interest rate and annual percentage yield may change.
Determination of rate - At our discretion, we may change the interest rate on your account.
Fequency of rate change - We may change the interest rate on your account at any time.
Limitations on rate changes - There are no maximum or minimum interest rate limits for this account.
Compounding and crediting - Interest will be compounded semi-annually (June 30 & Dec. 31) and will be credited to your account semi-annually (June 30 & Dec.31). If the amount of interest to be paid is less than $1.00 at each compounding period, that interest will be forfeited.
Effect of closing an account - Interest may be forfeited if the account is closed.
Minimum balance to open the account - You must deposit $100 to open this account. You must maintain a minimum daily balance of $100 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
Minimum balance to avoid imposition of fees - A minimum balance fee of $5 will be imposed every month if the average daily balance for the month falls below $50. This minimum balance fee will be imposed as a service charge on the statement.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit non cash items (for example, checks).
Transaction limitations - During any month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer, telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party. There is a service charge of $0.50 per debit in excess of 6 per month.
Other features - You will receive an annual statement. If you receive monthly electronic fund transfers, you will receive a monthly statement.

Commercial Checking Account

Eligibility requirements - Commercial, business or farm checking accounts must be maintained for the sole purpose of operating your business.
Minimum balance to open that account - You must deposit $100 to open this account.
Minimum balance to avoid imposition of fees - A minimum balance fee of $10 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $500. There will be an additional fee of $0.20 per debit item if the average daily balance for the statement cycle falls below $500.
The average daily balance - Calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Transaction limitations - There are no transaction limitations that apply to this account.
Other features - You will receive a monthly statement with your check images.

Holiday Club Account

Rate information - Your interest rate and annual percentage yield may change.
Determination of rate - At our discretion, we may change the interest rate of your account.
Frequency of rate change - We may change the interest rate on your account at any time.
Limitations on rate changes - There are no maximum or minimum interest rate limits for this account.
Compounding and crediting - Interest will be compounded semi-annually (May 5 & Nov 5) and will be credited to your account semi-annually (May 5 & Nov 5). If the amount of interest to be paid is less than $1.00 at each compounding period, that interest will be forfeited.
Effect of closing an account - Interest will be forfeited if the account is closed. The account cannot be reopened.
Minimum balance to open the account - You must deposit $50 to open this account. You must maintain a minimum daily balance of $100 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.
Maximum balance - This account may not exceed $2,500.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations - You may deposit as frequently as you wish. No withdrawals may be made from this account.
Other features - Customers are limited to one holiday club account per household. You will receive an annual statement. Unless you receive monthly electronic fund transfers, then you will receive a monthly statement. The balance of your account will be paid to you in check form on Nov. 5th of each year. A deposit will need to be made by Dec. 31 to keep the account open for the following year.

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