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Effective September 1, 2004

Minimum Balance Fees
A monthly fee may be imposed if the minimum balance in your account falls below the minimum balance requirement.
Account Minimum Balance Fee
NOW Checking $250.00 $7.50
Elite Checking $2,500.00 $7.50
Money Market $1,000.00 $7.50
Premier Money Market $5,000.00 $7.50
Statement/Passbook Savings Monthly Average Balance Requirement: $100.00 $5.00


Service Fees
Service Fee
Account Reconcilement (Minimum 1 hour) $25.00/hr
Certified Check $15.00
Check Printing Varies
Closed Account (within 30 days) $10.00
Excess Transactions (MMDA and Savings per transaction) $10.00
Non-Sufficient Funds/Returned Item $30.00
Interim Statement $5.00
Levy/Attachment/Garnishment $150.00
Lost ATM/Debit Card $10.00
Lost Passbook $10.00
Money Order $3.00
Official Check $5.00
Returned Deposited Item $5.00
Returned Mail (per month after 3 months) $3.00
Savings Negative Balance Fee $30.00
Statement/Check copies* $5.00
Stop Payment $30.00
Trustee Transfer - Retirement Account $25.00
Uncollected Funds $30.00
Wire Transfer - Domestic - Outgoing $15.00
Online Bill Payment
     10 bills/month
     Unlimited

$5.95/month
$7.95/month
Travelers Checks 1% of purchase

*Truncated Checking provides 12 free check copies per year.


Small Business Checking
Service Fee
Monthly Average Balance Requirement $1,000.00 $10.00
First 250 items paid/deposited at no fee $ .20
Rolled Coin/per roll $ .10
Strapped Currency/per strap $ .50
Night Deposit Bag (Refundable) $25.00


Corporate Checking
Service Fee
Monthly Maintenance Fee $10.00
Items paid/deposited per item $ .10
Rolled Coin/per roll $ .20
Strapped Currency/per strap $ .50
Night Deposit Bag (Refundable) $25.00


Internet Banking for Business
Service Fee
Basic Internet Banking Monthly Fee $5.00
Cash Management Monthly Fee $20.00

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