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

ATM/Debit/Credit Card Fees
Additional ATM/Debit/Credit card $5.00
Replace lost ATM/Debit/Credit card $5.00
ATM/Debit/Credit card recovery fee $65.00
ATM/Debit card withdrawal from Share Draft account
(per withdrawal in excess of four per month)		 $1.00
ATM/Debit card withdrawal from Share Savings account
(per withdrawal in excess of four per month)		 $1.00
ATM/Debit card transfer from Share Draft to Share Savings account (per transfer in excess of four per month) $.50
ATM/Debit card transfer from Share Savings to Share Draft account (per deposit in excess of four per month) $.50
Automatic transfer of funds
(From a regular share account to a share draft account. This fee will be applied against your share draft account(s))		 $5.00
Miscellaneous Fees
Membership entrance fee $.25
Draft printing
(Fee depends on style of draft ordered)		 varies
Nonsufficient funds daily maximum $100.00
Nonsufficient funds withdrawal
(per occurrence)		 $25.00
Returned Check fee $25.00
Stop payments (all items) $25.00
Copy of draft $2.00
Documentation fee $10.00
ACH NSF Return $25.00
Cashier's Check Stop Payment $35.00
Cashier's Check Fee (per Draft) $5.00
Dormancy Fee (semi-annually)
(After 365 days consecutive days of no activity. Assessed 03/31 & 9/30 )		 $25.00
Visa Credit Card Fees
Visa Credit Card Annual fee None
Visa Credit Card Minimum Finance Charge None
Transaction Fee for Purchases 1% Foreign Transaction
Transaction Fee for Cash Advances. $1.00
Credit Card Balance Transfer Fee None
Visa Credit Card Late Payment Fee $15.00
ATM Operation/Network Fees
When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Updated & Effective 07/01/2011