Personal Accounts | Business Accounts | Other Charges | ATM Fees/Charges | Safe Deposit Boxes
| Account | Balance/Terms Required to Avoid Service Charges | Monthly Service Charge if Balance/Term are not met. |
| Free and Easy Checking | No Minimum Balance Required. Must have direct deposit of $500 per month or more | None. Failure to meet terms will result in change to Basic Minimum Account . |
| Easy Access Checking | Minimum Daily Balance of $100 | $7.00 |
| Easy Access Interest Checking | Minimum Daily Balance of $500 | $5.00 |
| Traditional Money Market Account | Minimum Daily Balance
of $2500 Limited Transaction Account |
$10.00 Excess transactions will result in change to NOW Account and $5.00 per item fee. |
| Ultimate Money Market Account | Minimum daily balance of $50,000.00. Limited transaction account. | $25.00; rate reduces to .25 APY. Excess transactions will result in a $5.00 per item charge. |
| Free Senior Checking | Must be over 62 years of age | None |
| Free First Checking | Must be under 21 years of age | None |
| Easy Access Savings | Minimum Daily Balance of $10 | $1.00 |
| Passbook Savings Account | None | None |
| Account | Excess Transaction Fees | Monthly Maintenance Fee | Balance to Waive Monthly Fee |
| Easy Access Business 100 | .25 for each item over 100 | $10.00 | $500.00 |
| Easy Access Business 200 | .25 for each item over 200 | $12.00 | $6000.00 |
| Easy Access Commercial | .15 per check paid; .50 per deposit; .07 per item in deposit | $12.00 | Based on Earnings Credit (.15 credit offset for each $100 average collected balance maintained) |
| Insufficient Funds ( per check paid or returned ) | $20.00 |
| Senior Checking Accounts ( per check paid or returned) | $ 5.00 |
| First Checking Accounts ( per check paid or returned) | $ 5.00 |
| Returned Deposited Item | No Charge |
| Check Collection | |
|
$20.00 $40.00 |
| Stop Payment Orders | $20.00 |
| Account Printouts | $ 1.00 |
| Account Reconciliation/hour | $25.00 |
| Account Research/hour | $25.00 |
|
$ 5.00 $ 1.00 |
| Foreign Currency Order | $20.00 |
| Foreign Draft | $30.00 |
| Bank Checks | |
|
$ 2.00 $ 3.00 |
| Telephone Transfer | $ 5.00 |
| Online ACH File | $ 5.00 |
| *Inactive Account Fee | $ 1.00 |
| New Acct. closed within 90 days | $15.00 |
| Wire Transfer | |
|
$20.00 $50.00 |
| Coupon Redemption/plus postage | $10.00 |
| Replacement Passbook | $10.00 |
| ATM/Debit Card Replacement | $15.00 |
| MasterCard® Replacement | $20.00 |
| MasterCard® Duplicate Statement | $ 5.00 |
| Dormant Account Fee | $25.00 |
| Levy Fee | $50.00 |
| Checkbook Order | varies with style |
| Domestic ATM transactions/each | $ 1.00 |
| International ATM transaction/each | $ 5.00 |
| Annual Fee | |
| 3” x 5” | $30.00 |
| 3” x 10” | $60.00 |
| 5” x 10” | $75.00 |
| 6” x 10” | $90.00 |
| 10” x 10” | $125.00 |
*The inactivity fee will be imposed monthly on all deposit accounts if the minimum daily balance is below $25.00 and the account has been inactive for the preceding 6 months.
