Fees & Charges
Effective Date: 11/1/2011
Additional SERVICE CHARGES & FEES may be assessed dependent upon the service(s). All fees/service charges are subject to change without notice.
Service	Fee
SAVINGS ACCOUNTS
Minimum to open Personal Account	$50.00
Minimum to open Youth Account	$10.00
Minimum to open Business Account	$200.00
Account Research	$30.00
CLOSING ACCOUNTS
Closing account within 90 days of opening account	$20.00
Reopening Fee allowed after 6 months suspension	$20.00
No Fee after 12 months
RETURNED DEPOSITS (CHECK OR ACH)
Returned deposit(s) or cashed item(s)	$35.00
CHRISTMAS SAVINGS
Christmas Savings withdrawals before November 1st	$10.00
SHARE DRAFT/TRANSACTION/ACH
Amount required in savings to open a share draft account	$150.00
Amount required in savings to open a business Checking Transaction account	$500.00
All SD accounts require overdraft protection loan.
Quantity of coins are not accepted except from vendors by arrangement.
Stop payment orders	$35.00
Stop payment on Corporate checks/per item	$35.00
NSF return fee	$35.00
Courtesy Pay Fee	$35.00
Check Copy	$3.00
Corporate Check Copy	$7.00
Reconciliation service - Hourly minimum rate of	$35.00
MONTHLY FEES
Monthly fee Amazing Grace Line of Credit	$10.00
Monthly fee on personal draft accounts *	$5.00
Monthly fee on business accounts	$15.00
Share draft check orders are to be paid by the member via automatic debt.
Monthly fee on accounts with $1000 or more in savings	FREE
Returned deposit(s) or cashed items	$35.00
CHECK CASHING
Cashing of a verified check when the amount is greater than funds available in account.	$5.00
MONEY ORDERS
Money orders up to $499.00	$1.00
Money orders $500.00 - $1000.00	$1.50
UTILITY BILLS (IPP) AUTOMATIC 1-3 DAYS
Electric, Gas, Cable, Water, Sewer, and any other	$1.50-$5.00
Other: Credit cards, Auto & Mortgage Loans, etc.	$2.00-$5.00
CASH DISBURSEMENT POLICY
Fee for over 2 revolving draws per month	$5.00
Fee for over 2 withdrawals from savings per month, per withdrawal	$5.00
A maximum of $1000.00 in cash will be disbursed at any one time to any member.
LOAN FEES (NON REFUNDABLE)
5% of the installment payment if ten(10) days past due.
Grace (Payday) Loan fee.	$15.00
Grace Loan check/debit returns	$35.00
Loan Application Fee on Regular Loans	$35.00
Grace Loan penalty for late/non-payment	$35.00
Real Estate Appl Fee minimum (non-refundable)	$250.00
Small Business Administration (SBA)	$500.00
Loan Processing Fee (All Loans)	$45.00
No application Fee on 100% share secured loans
OTHER
Check by Phone	$3.00
Reprinting of individual statements per month	$3.00
Reprinting of business statements per month	$5.00
Photocopying per page	$3.00
Faxes for 1st Page	$5.00
$1.00 each add'l page
Account to Account Transfer	$5.00
(Waived with direct deposit or $1000 in savings)
Non notification of address change per returned item.	$10.00
Inactive savings accounts under $50.00	$5.00/month
DORMANT savings accounts per month after 1 year with no activity	$5.00
Levy/Garnishment/Attachment (per occurrence)	$50.00
Escheat Fee	$30.00
ATM/STAR FEES
Deposits (5 day hold)	$2.00
Replacement of Pin	$10.00
Replacement of Lost or Stolen card	$15.00
Withdrawals	$1.50
Inquiries	$1.00
Incomplete transactions (per time)	$1.00
WIRE FEES
Domestic wires	$20.00
International wires	$35.00
Incoming wires	$5.00
INFO-LINE (641-2828)
No fee access 24 hour information (TELLER 24)
Personal Assistance where info available on Info Line	$3.00