Rates

Checking Account Fees

Rates effective February 3, 2009

Overdraft fee	$25 Per Occurrence
Overdraft Transfer Fee	$12 per occurrence when transferred from savings
Returned Check Charge	$12 per item on deposited items
ACH Return Fee	$25
Live Telephone Transfer	$2
	$5 for Free Checking
	No charge for Member's Choice Account
Stop Payment Fee	$25
Account Closing Fee	$10
Check Printing	Varies by style
Check Copy Fee	$2 per copy
Receipt Copy Fee	$1 per copy
Account History Fee	$1 per page
Account reconciliation	$15 per hour
Account research fee	$15 per hour
Member ID Card Replacement Fee	$.50
Inactive Account Fee	$2 per month

Rates effective February 3, 2009

Transactions	Free Unlimited Transactions at all POS or merchant terminals
Card or Pin Replacement Fee	$5
Overdraft Fee	$25 per occurrence
ATM Out-of-State transactions	$2 each

Rates effective February 3, 2009

Wire Transfers
Domestic outgoing wire transfer	$10
Domestic incoming wire transfer	No Charge
International wire transfer	$50

Money Orders
Money Order Fee	$1
Commercial Money Order Fee	$25

Cashier Check Fee	$1
Photocopies	$ .25 per page
Zipper Cash Bag Fee	$5
Lockable Zipper Cash Bag	$30-$50 depending on size

Fax Services
First page outgoing	$2
Each additional page outgoing	$1
First page incoming	$1
Each additional page incoming	$ .50

Traveler checks	$1 (per $100 purchased)
	Free for Direct Benefit & Member's Choice Checking
Save deposit box	Varies depending on size
Check Cashing Fee	$2 per check
Check Replacement Fee	$25 (non-member)
PC BillPayer Monthly Inactivity Fee	$4.95