Fee Schedule

Share & Draft Accounts

Fees

Free Checking Account

No Fees

Golden Nugget Checking Account

$5.00 if balance under $500

Share Excessive Withdrawal Fee

$3.00, 6 free per month

Share Closure, Account open less than 1 month

$25.00

Bad Address Return Mail

$5.00

IRA Premature Closure

$25.00

Certificate Early Withdrawal Penalties

90 Day Interest

Money Market Excess Withdrawal Fee

$10.00, 3 free per month

Money Market Service Charge Fee

$10.00 if account balance is below $1000

Share Overdraft Transfer Fee

3 @ $1.00, then $3.00

Check NSF Fee

$29.00

Check Stop Payment

$29.00

ACH NSF Fee

$29.00

ACH Stop Payment

$29.00

Return Deposited Check

$10.00

Return Deposited Check on Self

$25.00

Courtesy Pay Fee

$29.00

Overdraft Fee

$29.00

Wire Transfers

Fees

Domestic Wire Out

$15.00

International Wire Out

$40.00

Western Union Out

$20.00

Incoming Wires

No Fee

Safe Deposit Boxes

Fees (per year)

3 X 5

$20.00

5 X 5

$25.00

3 X 10

$35.00

5 X 10

$55.00

10 X 10

$75.00

Replace 1 Key

$25.00

Replace 2 Keys or Drilling Box

$200.00

VISA Cards

Fees

Annual Fee

No Fee

Card Replacement

$25.00

Pin Replacement

$5.00

Card Block Removal

$10.00

ATM Usage Fee

No Fee

VISA Late Payment Fee

$15.00

VISA NSF Fee

$29.00

Allow Stop Pay on Reoccurring VISA Charges

$29.00

Miscellaneous Services

Fees

Subordination Fee

$100.00

Loan Late Fee

$15.00

Duplicate Title Fee

$25.00

Certified Check Fee

$3.00

Money Order Fee

$2.00

Teller Check Fee

$2.00

Check Copy Fee

$3.00

Statement Copy

$3.00

Non-Member Notary

$5.00

Coin Counting Fee

No Fee

Dormant Account Fee

$5.00 after 2 years

Garnishment or Levy Fee

$50.00

Cash 3rd Party Check-only Share, balance < $1000

1% of check / min. $2.00

Non-member Cash Member Check or Replace with Teller Check

3% of check / min. $3.00

Savings Bond Redeemed

No Fee

Savings Bond Sold

No Fee

Temporary Checks

$2.00 per 10 checks

Research Fees

$25.00 per hour

Shared Branch Usage

First 7 transactions are free, after $2.00

Photocopies

$.20 per sheet

Fax Service

$2.00 first 3 pages, $1.00 per page after