SAVINGS ACCOUNTS

Passbook or Statement Accounts

• Minimum Deposit to Open Account $50.00
• Monthly Service Charge $1.00
  • Waived with $50.00 minimum daily balance OR
  • Tax Owner under 18 years of age.
  • $50.00 minimum balance required to earn interest.
• Lost Passbook
• Replacement $10.00

Christmas Club Accounts

• Minimum Deposit to Open Account $10.00
• Early Closeout Charge $30.00

MISCELLANEOUS

• Closeout of an account within 90 days $25.00
• Returned Check $20.00
• Domestic Incoming/Outgoing Wire $20.00
• International Incoming/Outgoing Wire $35.00
• Account Balancing per hour (min 1 hour) $25.00
• Research Fee per hour (min 1 hour) $30.00
• Check Copy per check $1.00
• Statement Copies first page $5.00
  • Each additional page $1.00
• Checks or Electronic Transactions presented against:
  • Insufficient Funds $30.00
    (applies to insufficient funds or overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means.)
  • Uncollected Funds $30.00
• Account Inactivity Fee (after 2 years) $5.00/mo
• Stop Payment $25.00
• Collections $15.00
  –Foreign Collections include FX conversion rate–
• Overdraft Protection Transfer From Savings or
  Checking to Checking (per attempt or occurrence) $5.00
• Overdrawn more than five consecutive days $5.00/day
• Excessive Transaction Fee/Item (Savings) $10.00
• Excessive Transaction Fee/Item (Money Market) $10.00
• Treasurer's/Cashier's Checks (One free per day) $5.00
• Money Orders (One free per withdrawal) $3.00
• Travelers Cheques for One 1% of Sale
• Travelers Cheques for Two 1.5% of Sale
• Notary Service (Non Customer)  $5.00
• Service of Process (Legal Fees) $50.00
• On-line Bill Pay Service (per month) FREE

CHECKING ACCOUNTS

Simple Free Checking

• Minimum Deposit to Open Account $50.00
• Monthly Service
• Charge FREE

Simply NOW Checking

• Minimum Deposit to Open Account $50.00
• Monthly Service Charge plus $0.25 per check paid $8.00
  • Waived with $1,000.00 minimum daily balance OR
  • $2,500.00 combined minimum daily balance in linked accounts OR
  • Direct Deposit OR
  • Tax Owner 65 years of age or older

50+ Advantage Travel Club Checking

• Minimum Deposit to Open Account $50.00
• Monthly Service Charge plus $0.25 per check paid $8.00
  • Waived with $1,000.00 minimum daily balance OR
  • $1,500.00 combined minimum daily balance in linked accounts OR
  • Direct Deposit OR
  • Tax Owner 65 years of age or older

MONEY MARKET ACCOUNTS

Money Market Gold

• Minimum Deposit to Open Account $2,500.00
• Monthly Service Charge $8.00
  • Waived with $2,500.00 minimum daily balance OR
  • Owner under 18 years of Age OR
  • Tax Owner 65 years of age or older

Money Market Platinum

• Minimum Deposit to Open Account $25,000.00
• Monthly Service Charge $8.00
  • Waived with $25,000.00 minimum daily balance OR
  • Owner under 18 years of age OR
  • Tax Owner 65 years of age or older

SAFE DEPOSIT BOXES

Not Available in All Locations

Annual Fees:

• 2 X 5 $35.00
• 3 X 5 $40.00
• 5 X 5 $55.00
• 3 X 10 $65.00
• 5 X 10 $100.00
• 10 X 10 $175.00
• Late Payment $15.00
• Replacement Key $50.00
• Drilling $200.00

RETIREMENT ACCOUNTS

• Minimum Deposit to Open CD Account $1,000.00
• Minimum Deposit to Open Savings Account $50.00
• In Person RMD Withdrawals No Charge
• Outgoing Transfer Requests $25.00
• Outgoing Rollover Requests  $25.00

ATM

• Foreign ATM Withdrawal Service Charge $1.00
• Foreign ATM Transfers & Inquires $0.75
• International ATM Withdrawals $5.00
• POS Transactions $FREE
• ATM/Debit Card Replacement $20.00