General Account Services	FEE
Membership Fee	$1.00
Account closing within 60 days	$10.00
Account reopen if less than 6 months from date of closing	$10.00
Minimum balance violation on savings accounts	$10.00 monthly
Excessive withdrawals from regular savings (allowed 2 free per month)	$5.00
NSF fee for same party checks	$25.00
Mail return fee after 24 months	$10.00 monthly
Inactive/Dormant account fee (No activity for 48 months)	$10.00 monthly
Teller Service	FREE
Telephone Service	FREE
Official check made to member	FREE
Official check made to others	$5.00 per check
Print out of current month account history	FREE
Copy of previous statements	$5.00 per statement
IRA joining fee	$2.00
IRA annual fee	$9.00

Online Services	FEE
CU@ HOME Online Banking	FREE
CU @ HOME Bill Pay	FREE
If you do not use bill pay for two consecutive months, you will be removed from this service.  You will have to contact the credit union to re-enroll.
AlertMe - Consumer Credit Monitoring Service	$4.95 monthly
EZMail Newsletter	FREE
Anytime Adviser Coaches	FREE
ezStatements	FREE
Home and Family Finance Resouce Center	FREE

Share Draft (Checking Account)	FEE
GOLDEN CHECKING (Age 55 Plus)
Amount to Open	$100.00
Monthly Service Charge	NONE
Minimum Balance	NONE
Boxes of Checks (Basic design)	2 PER YEAR
VISA Debit Cards	FREE
Minimum to Receive Dividend	NO MINIMUM
Free Travelers Cheques	YES
Free Money Orders	YES
Free Cashier Checks	YES
Transfer overdraft from savings (per day)	$5.00
PREMIER CHECKING
Amount to Open	$1000.00
Minimum Balance for no Service Charge	$1000.00
Service charge if minimum monthly balance not meet	$10.00
Boxes of Checks (Basic design)	1 PER YEAR
Visa Debit Cards	FREE
Minimum to Receive Dividend	$1000.00
SIMPLY CHECKING
Amount to Open	$50.00
Minimum Balance for no Service Charge	$500.00
Monthly Service Charge	$5.00 after first 6 months
First Box of Checks (Basic design)	FREE
First Visa Debit Card	FREE ($12.00 annually thereafter)
Minimum to Receive Dividend	$500.00
FIRST CHECKING (Ages 16 thru 22)
Amount to Open	$25.00
Service Charge	NO
First Box of Checks (Basic Design)	FREE
First Visa Deibt Card	FREE ($12.00 annually thereafter)
Receive Dividends	NO
ALL CHECKING ACCOUNTS
Unlimited Check Writing
Online Banking	FREE
Bill Pay	FREE
EZ Statements	FREE
Transfer overdraft from overdraft loan (per day)	$20.00
NSF draft or ACH item	$25.00 per item
Courtesy paid draft or ACH item	$20.00 per item
Copy of cancelled draft by mail (written before October 31, 2009)	$3.00 per item
Copy of cancelled draft by fax (written before October 31, 2009)	$5.00 per item
Stop payment on draft or ACH	$20.00 per item
Assistance in balancing of a share draft account by credit union:
First time	FREE
Anytime thereafter	$10.00 per hour
Share Draft (Checks)
First Box (no business style checks)	FREE
Check orders thereafter	Price Varies
Daily phone call for deposits:
First and second phone call each month	FREE
Any phone call thereafter during the month	$5.00 daily

VISA Debit Cards	FEE
First Visa debit card	FREE
Annual Visa debit card fee	$12.00 annually
Visa Debit Card with separate number on same checking account	$5.00 annually
Replacement of Visa debit card before expiration	$5.00
Replacement of PIN number	$5.00
Courtsey paid NSF Visa debit card transaction	$20.00 per item

VISA Platinum Credit Cards	FEE
Annual fee	FREE
Late payment fee	$25.00
Overlimit fee	$25.00
Card replacement fee	$10.00
NSF check fee for payment	$25.00
International assessment fee	1%

Loans	FEE
Application fee	$10.00
Real Estate application fee	$25.00
Late payment fee after ten day grace period	$5.00
Skip A Payment (one per year)	$25.00
NSF check for loan payment	$25.00

Other Services	FEE
Wire transfer	$20.00
Western Union fee	$25.00
Sending Faxes:
First sheet	$2.00
Every sheet thereafter	.50
Stop pay fee for checks issue to you by the credit union	$30.00 per check
Federal Express	$35.00
Items sent for collection	$10.00
Photcopies	.10 per sheet
Notary service for members	FREE
Notary service for non members	$10.00

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