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 part checks	$20.00
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
Service Charge
First six months	FREE
Balance stays above $500.00 for the full month	FREE
Balance falls below $500 during the month	$5.00 monthly
Transfer overdraft from savings (per day)	$5.00
Transfer overdraft from overdraft loan (per day)	$20.00
NSF draft or ACH item	$20.00 per item
Courtesy paid draft or ACH item	$20.00 per item
Copy of cancelled draft by mail	$3.00 per item
Copy of cancelled draft by fax	$5.00 per item
Stop payment on draft or ACH	$15.00 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
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	$5.00
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	$20.00

Other Services	FEE
Wire transfer	$15.00
Western Union fee	$23.50
Travelers Express money orders	.50 per money order
American Express Travelers Cheques:
Singles (one signature)	.50 per hundred
Doubles (two signatures)	.75 per hundred
American Express Gift Cheques	FREE
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	$30.00
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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