VISA Debit Card

Effective February, 2008

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

NSF Drafts
NSF Check (no limit) $25.00 per draft
NSF ACH Draft (no limit) $25.00 per draft

NSF Transfer Fee

$2.00 per draft
NSF Check Deposited in Account $20.00 per draft
Cashier Check ($10,000 aggregaged Balance FREE)** $5.00
Stop Payments
Draft (single) (Check or ACH) $15.00
Block of Checks $25.00
Copy of Statement ect.
Copy of Statement $5.00
Print out of Activity $5.00
Copy of a Check $5.00
Microlilmed Statement (annual) $20.00
ATM & Debit Cards
ATM or Debit Card Replacement $5.00
ATM or Debit Pin Replacement $5.00
Rush Card Order $35.00
ATM Card Limits
6 cash transactions per 24-Hour period not to exceed $500.00
Debit Card Limits
5 cash transactions per 24-Hour period not to exceed $505.00
12 Point of Sale transactions per 24-Hour period not to exceed $9,999.99
Check Orders
Ages 60 + standard box of checks (per quarter) FREE
Wire Transfers
Outgoing $15.00
Incoming $5.00
Western Union $20.00
Traveler's Checks
Single Signature FREE
Check for Two (per 100 ) (age 60 + FREE) $2.00
Gift Checks $2.50
Safe Deposit Boxes (per year)
3 X 10 $18.00
5 X 10 $36.00
10 X 10 $48.00
Lost Key Charge

$25.00

Drilling Charge (plus cost of drilling) $25.00
Miscellaneous Fees
Dormant Account $4.00
Inactive Account $4.00
Insufficient Address $4.00
Early IRA Withdrawal $25.00
Early Christmas Club Withdrawal $25.00
Closing Checking Account $5.00
Open/Close Share Account (Within 90 days) $5.00
Excessive Withdrawal Fee (Per withdrawal over 9 per quarter) $5.00

**Aggregate month-and-balance includes all related share and loan account balances


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