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| The following fees may apply | Fees |
| Account Balancing Assistance (per hour) | $20.00 |
| Account Research (per hour) | $20.00 |
| Amortization Schedule | $7.99 |
| ATM Card, Debit Card or Credit Card Replacement | $6.00 |
| ATM Card, Debit Card or Credit Card PIN Replacement | $6.00 |
| Bank Bags - Lock | $24.99 |
| Bank Bags - Zipper | $7.99 |
| Cashiers Checks | $5.00 |
| Check Cashing (non-customer) | $10.00 per check |
| Cashing Checks Drawn on this Bank | No Charge |
| Check Printing | Fee depends on style of checks ordered |
| Check Printing for Golden Years and First Choice Club | No Charge |
| Christmas Club Withdrawal Fee | $20.00 |
| Collection (Outgoing or Incoming) | $20.00 |
| Copies | $1.00 per page |
| Copies of a check or statement | $1.00 per page |
| Deposit Checks (and other items returned unpaid) | $4.00 |
| Executions | $20.00 |
| Fax - Outgoing (per page) | $5.00 |
| Fax - Incoming (per page) | $1.00 |
| Garnishments | $50.00 |
| Holds (all items) | $30.00 |
| Levies | $50.00 |
| Money Orders | $2.00 |
| Non-sufficient Funds (Overdraft fees may apply to overdrafts created by check, in person withdrawals, ATM withdrawals or other electronic means.) | $30.00 per item |
| Notary | $5.00 |
| Overdraft (Overdraft fees may apply to overdrafts created by check, in person withdrawals, ATM withdrawals or other electronic means.) | $30.00 per item |
| Overdraft Protection Transfer (authorization required) **See additional explanation below | $7.50 |
| Signature Guarantee | $20.00 |
| Statement on CD (monthly) | $10.00 per month |
| Statement on CD (other than monthly) | $25.00 |
| Stop Payments | $30.00 per item |
| Temporary Checks (3 free) | $0.25 |
| VISA Travel/Money Cards | Fee depends on type of card |
| Wire Transfers (customer incoming) | no charge |
| Wire Transfers (customer outgoing) | $20.00 |
| Wire Transfers (non-customer) | $25.00 |
A dormant checking account fee of $30.00 will be charged each year if there is no activity or other indication in writing from you or from any interest in your account for 12 months.
**We are not obligated to pay any item present for payment if your account does not contain sufficient collected funds. However, if you maintain your account in good standing defined as: A) making regular deposits; B) bringing your account to a positive end-of-day balance every 30 days or less; and C) there are no legal orders outstanding, we will approve your reasonable overdrafts as a non-contractual courtesy. We will approve an overdraft for you in an amount for the type of account that you have opened. This limit includes our non-sufficient funds and/or overdraft (NSF/OD) charges of $30.00 per item. Accounts must be open for more than 30 days with regular deposits made. However, the overdrawn account must be brought to a positive balance within 30 days to avoid revoking the overdraft privilege. At the banks discretion, we may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you. Overdraft fees may apply to overdrafts created by check, in person withdrawals, ATM withdrawals or other electronic means.
