| Schedule of Fees | Effective March 1st, 2023 |
| The following fees may be assessed against your account following transaction limitations, if any, apply to your account: | |
| Account Activity Printout | $ 2.95 |
| Account Reconciliation ($25 minimum) | $ 25.00/hr. |
| Account Research ($25 minimum) | $ 25.00/hr. |
| ATM/Debit Replacement Cards | $ 5.00/ea. |
| ATM/Debit Replacement PINs | $ 5.00/ea. |
| Foreign ATM Transaction Fee | $ 2.00/ea. |
| Automatic Transfer from Savings to cover overdraft | $ 5.00/ea. |
| Cashier Checks (customers only) | $ 5.00/ea. |
| Check Printing (depends on style & quantity of checks ordered) | |
| Photocopies | $ .25/ea. |
| Dormant Fee* | $ 5.00/mo |
| *Dormant fees are charged for checking accounts with no activity in a one year period or for savings accounts with no activity in an eighteen month period. | |
| Early Closure of Account (within 180 days of opening)
| $ 25.00 |
| Excess Withdrawal Fee-Money Market (>6 per mo) | $ 5.00/ea. |
| Excess Withdrawal Fee-Savings (>6 per mo) | $ 5.00/ea. |
| Executions, Levies or Garnishments | |
| Bank’s Legal costs plus | $ 100.00 |
| Foreign Currency Orders – Our cost plus | $ 10.00 |
| Internal Transfers | |
| Automatic, monthly, recurring | $ .15/ea. |
| Other Transfers by calling the bank |
$ 5.00/ea.
|
| Money Orders | $ 5.00/ea. |
| Overdraft Item Fee¹ – Per item, Per Presentment. | $ 19.95 |
| (Overdrafts may be created by checks, ACH, & other electronic means) | |
| Returned Item Fee¹ | |
| Per Item, Per Presentment | $ 19.95 |
| UCF Returned Item Fee | $ 19.95 |
| UCF Paid Item Fee | $ 19.95 |
| Extended Overdraft Fee (charged weekly) | $ 5.00 |
| (Overdrawn for 5 consecutive business days) | |
| Safe Deposit Boxes (Annual Fees Available Upon Request) | |
| Special Statement Cutoff | $ 5.00/ea. |
| Stop Payments | $ 25.00 |
| Wire Transfers – Incoming | $ 15.00/ea. |
| Wire Transfers – Outgoing | $ 25.00/ea. |
| Footnotes | |
| ¹Overdraft and Return Item Fees will apply to items created by check, ACH, or other electronic means. A fee will be charged to you each time the same item, whether it is created by check, ACH or other electronic means, is presented against insufficient funds. | |
| We reserve the right to, at any time, require not less than 7 days notice in writing before each withdrawal from an interest bearing account other than a time deposit, or from any other savings account as defined by Regulation D. | |
