The following Fee Schedule identifies fees and charges that may be assessed against your account.

The monthly service fee is between $5.00 and $20.00, depending upon your account type.

Statement Copies	$   3.00		Dormant Account	$   5.00 per month less than $105
Account Printout	$   3.00		Wire Transfers	$ 10.00
ACH Returns	$  27.00		ACH Manual Posting	$   5.00
Certified Checks	$   3.00		Return Mail	$   1.00
Return Items	$ 27.00		Stop Payment	$  12.00
Check Copies	$   2.00		ATM Withdrawals	$   0.50 each after first five
Tellerline	$   0.40 each after 7th  inquiry		Transfers	$  1.00 each
Withdrawals	$ 3.00    for balance less than $200.00		Bill Payment	$  3.00
Overdraft Priviledge	$ 30.00		Research Fee	$ 15.00 per hour

Fees may be imposed on each check, draft item, ATM Card withdrawal, debit card withdrawal, debit card point purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn upon an insufficient available account balance.  The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item.  You may consult the Funds Availability Policy concerning the availiability of funds in your account.  Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item, or transaction.  If we approve an overdraft protection limit for your account, such fees may reduce your approval limit.  Please refer to the Fee Schedule for current fee information.