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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	$30.00 per item
Notary	$5.00
Overdraft	$30.00 per item
Overdraft Protection Transfer (authorization required)	$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.