The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Replace lost ATM/Debit card...............................................................................$5.00 first time

              Each additional...................................................................................................$10.00

Replace lost PIN number................................................................................................... $5.00

Change personal identification number for ATM/Debit card.................................................$5.00

ATM cash withdrawal from all account(s)................................................................$1.00 each in

                                                       excess of six per month at ATM's we do not own or operate

             Dollar limit..............................................................................$205.00 per business day

Draft printing..................................................................( fee depends on style of draft ordered )

An account is considered dormant if for six months no withdrawals or deposits, other than credited dividends, have been made to the account and we have received no communication from you about the account.

The fee for a dormant account is $15.00 every six months.

Overdraft - each overdraft paid........................................................................................$25.00

Overdraft protection transfer.............................................................................$2.00 per transfer

Non-sufficient funds - each..............................................................................................$25.00

Non-sufficient funds ATM/Debit withdrawal....................................................................$25.00

Account activity printout (per request)...............................................$1.00 per month requested

Monthly statement copy (printed)......................................................$3.00 per month requested

Account research..............................................................................................$20.00 per hour

Account balancing assistance.............................................................................$20.00 per hour

Account closing fee...........................................................................................................$3.00

Stop payments - each....(Draft or ACH)..........................................................................$30.00

Deposited item returned.....................................................................................$10.00 per item

Foreign item deposited - each...........................................................................................$6.00

Wire transfer:

        Incoming...............................................................................................................$.10.00  

       Outgoing....Within United States..............................................................................$15.00 

       Outgoing....Outside United States.............................Minimum $50.00/Actual cost if greater 

Copy of share draft..................................................................................................$2.00 each

Archived copy of share draft.....................................................................................$5.00 each  

Archived copy of deposited item...............................................................................$2.00 each

Money Orders.....................................................................................................$2.00 per item

Cashier's checks...................................................................................................$4.00 per item

Individual Retirement Accounts (IRA's)..1st Withdrawal per month free, each thereafter.. $15.00

Notary Service, Members Only...........................................................................FREE

"Sybil" 24 Hour Account Access Phone Service

All "Sybil" transactions.........................................................................................FREE

"Perfect Teller" Online Banking

All "Perfect Teller" transactions............................................................................FREE

"BillPay" Online Bill Payer Service

BillPay fees: (Only if utilized)

$20.00 per standard proof of payment (i.e. copy of cancelled check) delivered to merchant.

$20.00 per hour per payment inquiry/research

$20.00 per cancellation of each request for payment before disbursement

$20.00 per Stop Payment request

$25.00 Each non-sufficient fund.........Check/ACH

$25.00 per payment returned due to error of subscriber.

$25.00 ACH return fee

$25.00 per letter mailed Express Mail 

$25.00 per letter to recipient of payment