FEES APPLICABLE TO ALL ACCOUNTS:
NSF Return Item Fee	$20.00 per item
Negative Balance Fee	$20.00 per item
Deposited Item - Return Fee	$20.00 per item
USPS Return Mail Fee	$ 2.00 per item
Dormant Account Fee*	$ 5.00 per quarter
Transfer Fee	$ 2.00 per transfer
History/Duplicate Statement Fee	$ 3.00 per statement
Outgoing Wire Transfer	$20.00 per transfer
Outgoing Foreign Wire Transfer	$65.00 per transfer
Incoming Wire Transfer	$10.00 per transfer
Non-member Check Cashing Fee	$10.00 per check
Foreign Item Processing Fee	$10.00 per item
Tax Levy Presentments	$10.00 per occurrence
SHARE DRAFT ACCOUNT FEES:
Basic checking	FREE
Emerald Checking	$  6.50 per month
Courtesy Pay Fee	$20.00 per draft
Stop Payment Order/Per Item	$25.00
Stop Payment Order/Per Book	$50.00
Draft Photocopy	$  2.00 per copy
Account Reconciliation	$25.00 per hour
Check Order Billing	Varies
Counter Checks	$  2.00 per 10 or 25¢ each
CHECKLINK FEES:
Debit Card Replacement	$10.00 per item
Debit Pin Replacement	$  5.00 per item
Debit Card Special Shipping Fee	$30.00
OTHER FEES:
Money Orders	$ 2.00 per item
Member Fax (Send)	$ 3.00 up to 5 pages
Member Fax (Receive)	$ 1.00 up to 5 pages
Member Photocopies	20¢ per page
IRA Early Close Fee	$  6.00
HSA Set-Up Fee	$15.00
HSA Manual Withdrawal Fee	$  5.00
HSA Corrected IRS Filing Fee	$10.00
Christmas Club Early Withdrawal Fee	$10.00 per withdrawal
Safe Deposit Box Fees (Annual)	$15.00 -small
	$25.00 -medium
	$45.00 -large
VISA Travel Money Card-with Emerald Checking	$ 9.00
VISA Travel Money Card	$12.00
Additional Card	$  2.00
Reload Fee	$  5.00
ATM Withdrawal, Cash Advance	Varies
VISA Gift Card ($10.00 to $500.00)	$3.50 each

*Dormant account fee applicable only for savings/checking accounts with balances under $50.00 AND if member has no other active accounts (loans, savings, certificates) AND there has been no transaction activity for 12 months.