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 |
| 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 | $15.00 |
| Mortgage Loan Processing Fee
.50% discount fee |
$200.00 |
| Mortgage Loan Construction Inspection Fee | $350.00 |
| Modification/Change to Perm Loan | $100.00 |
| Evaluation Fee | $100.00 |
| Modification Fee | .25% of loan balance + buy down rate + recording fees |