| Monthly Maintenance Fee if the Average Daily Balance falls below $300
(Not applicable to Regular Checking) |
$5.00 |
| Certified Check | $5.00 |
| Returned Check Charge--Insufficient Funds | $22.50 |
| Charge for receipt of Wire Transfer into your account (does not include Direct
Deposit, Automated Payroll Deposit, or ACH Transactions) | $5.00 |
| Stop Payment | $5.00 |
| Photocopy of Check | $2.00 |
| ATM Transaction (Some ATM operators may assess a surcharge on transactions)
|     NO CHARGE |
| Check Printing Fees (150 Personal Checks) (Please note that Check Printing
Fees may vary depending on the style of check and the number ordered. Prices are subject
to change). | $13.50 |
| Research Fee (will be assessed if you require extensive research on your account.
Examples of when we might assess this fee are when we have to retrieve old
records for a court appearance or an I.R.S. audit. If your request is subject to
this fee, you will be informed before the work begins) | $25 per   
    hour |