Common Feature Fees

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account. Note:  An account is dormant if for three years no deposits or withdrawals are made by you, no communication is received about the account from you, no communication is received about any other of your accounts from you, or your account statements are returned for an incorrect address. Check printing depends on style of check ordered Dormant account (fee charged each statement cycle) when balance falls below $50.00. $1.00ordered Garnishments $25.00 Executions $25.00 Levies $25.00 Overdraft (Each debit or check paid) $12.00 Non-sufficient funds (NSF) item (each) $12.00 Stop payments (All items) $10.00 Photocopies $ .25 Wire Transfer - Outgoing $10.00 Wire Transfer - Incoming $ 8.00 Wire Transfer - Foreign - Outgoing $32.50 Wire Transfer - Foreign - Incoming $ 8.00 Personal Money Order $1.50, $350.00 maximum Bank Money Order Over $350.00 - $3.00 Account activity printout $ 2.00 Account balancing and reconciling (First time free, seniors free) $ 5.00 p/hr Account balancing inquiry $ free Document and microfilm copies $ 2.00 p/page Research $15.00 p/hr Overdraft Protection $ 3.00 Night deposit, bags and keys (deposit) $20.00 Return Check Charge $ 6.00 Foreign check handling $ 3.00 Closing Account by Mail $ 2.00 IRA No annual fee IRA transfer/rollover (outgoing) $20.00 Charge back on Debit Card Transactions $15.00 Abandoned Property sent to state  $25.00 Travel Cards $ 9.95 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. We do not charge for direct deposits to any type of account. We do not charge for pre-authorized payments from any type of account. We charge $9.00 each year if your account is set up to use ATM/TYME card. The charge for your ChekCard (whether or not the card is used in the period) is $15.00 per year. We will charge you $5.00 for a new personal identification number. We will charge you $10.00 to replace a lost card. We will charge you $10.00 if you close your account and do not surrender your debit card(s). We will charge you $1.00 to choose your own personal identification number (PIN) for ChekCard. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).