Schedule of Fees

Effective 06/20/2018

Unlimited Checking
No Minimum balance, No Minimum to open
Monthly Fee $15.00
Senior Checking – 62+ with Direct Deposit
No Minimum to open
Minimum to avoid service charge* $100.00
Monthly fee if balance falls below minimum $5.00
Regular Checking
Minimum to open $500.00
Minimum to avoid service charge* $500.00
Monthly fee if balance falls below minimum $10.00
Non-Personal Checking
Minimum to open $500.00
Minimum to avoid service charge $500.00
Monthly fee if balance falls below minimum $30.00
Money Market Deposit Account Passbook
Minimum to open $5,000.00
Minimum to avoid service charge $5,000.00
Monthly fee if balance falls below minimum $5.00
6 withdrawals/transfers allowed per month
Additional withdrawals/transfers $5.00
Optional Savings Passbook
Minimum to open $100.00
Minimum to avoid service charge $100.00
Monthly fee if balance falls below minimum $5.00
6 withdrawals/transfers allowed per month
Additional withdrawals/transfers $5.00
Junior Passbook Savings
Minimum to open $10.00
No monthly service fee/no minimum balance
Christmas Club
Minimum to open
Accounts opened Nov 1 – Dec 31 only
$10.00
Term Account for 50 weeks – Payments may be weekly or monthly
No early withdrawals allowed for any reason until club closes in October
Account must reach $50 by end of term to be re-opened the following year (no interest paid on balances below $50.00)
No interest paid on balances below $50

*Avoid monthly service fee by maintaining a deposit in a passbook savings of $1,000.00 or $10,000.00 in a certificate of deposit.

Other Fees
Stop payment $35.00
Return deposit items $25.00
Non-Sufficient Funds Check returned $35.00
Non-Sufficient Funds Check paid $35.00
*Overdraft/Return fees apply to overdrafts created by check, in-person withdrawal, or other electronic means.
NSF check/Loan Payment $35.00
Bank checks payable to third party $5.00
Printouts of account activity $1.00
Copies/statement or check $5.00
Account closing within 6 months $20.00
Customer cashing check for non-customer $5.00
Copies (per item) .25
Fax (per item) $1.00
Credit Verification Report $20.00 2-4 yrs. / $30.00 5+ yrs.
Amortization Schedule (non-customer) $25.00
Levy/Lien $50.00
Back-up withholding (per incident) $25.00
Research
Bank Error no charge
Non-Bank error/30 min. (min. $10.00) $10.00
Stock Loan Processing Fee $20.00
Mortgage Loan Processing Fee $200.00
Mortgage Loan Construction Inspection Fee $350.00
Evaluation Fee $100.00
Amortization Fee .25% of loan balance + buy down rate + recording fees