Checking Fees

Account maintenance - Consumer Checking

The following fees will not be assessed if the indicated minimum balance or other account conditions are met.
Convenience Checking: - If direct deposit is discontinued	$5.00 per month
Investor Checking: - If daily balance falls below $1,000.00 during the calendar month	$5.00 per month
Relationship Checking: - If daily share or loan balance falls below $500.00 during the calendar month - Minimum daily balance requirement to avoid fee is waived if member is between 16-25 years of age.	$5.00 per month

The following fees will not be assessed if the indicated minimum balance or other account conditions are met.
Business Checking: - If daily balance falls below $1,000.00 during the calendar month - Minimum daily balance fee is waived for noprofit organizations and associations	$5.00 per month

Business Checking: - Per item fee for total checks deposited to any share account and/or paid from Business Checking: First 100 per calendar month 101 to 500 per calendar month 501 and greater per calendar month	no charge $.10 per item over 100 $.08 per item over 500
Activity fee charged to an open Savings or Money Market Account if Business Checking Account is not open at calendar month end.

Business Checking:

- Per item fee for total checks deposited to any share account and/or paid
from Business Checking:

First 100 per calendar month

101 to 500 per calendar month

501 and greater per calendar month

no charge
$.10 per item over 100
$.08 per item over 500

Activity fee charged to an open Savings or Money Market Account if Business Checking Account is not open at calendar month end.

Check order: - Check printing fee depends on style of check ordered - Order checks & accessories - A larger range of check designs is available when you order online through UltraBranch	varies per order
*Overdraft protection transfer fee:** - From a savings or a money market share - From a Credit Line in excess of three (3) per calendar month	$5.00 per transfer
Negative balance transfer fee: - Credit union initiated transfer to resolve a negative share	$5.00 per transfer
Special item processing fee: - Fee may be charged if member fails to take corrective action following Special Item Processing notifications	$2.00 per item
Stop payment fee:	no charge
* Any overdraft transfer amount that is $5.00 or less will not incur an overdraft fee.

Check copy:	no charge
NSF: - Check or other debit returned unpaid for lack of sufficient funds, check or other debit presented and paid as a courtesy against insufficient funds, or debit card transaction authorized and paid against insufficient funds pursuant to the credit union's overdraft services agreement	$25.00 per item
Courtesy Pay/Overdraft (OD) Service: - Check or other debit presented and paid against insufficient funds (fee based on amount of overdraft)	$0.00 - $5.00 ......... no charge $5.01 - $10.00 ................. $5.00 $10.01 - $15.00 ............... $10.00 $15.01 - $20.00 ............... $15.00 $20.01 - $25.00 ............... $20.00 $25.01 or more ............... $25.00
NSF ACH Bill Payment: - Additional CheckFree^® charge for ACH bill payment returned for lack of sufficient funds.	$25.00 per item
NSF Mortgage Payment: - Additional Cenlar charge	$25.00 per item
Returned item fee: - Returned deposited item - Member-negotiated, unpaid item through shared branch transaction	$ 5.00 per item $20.00 per item

UltraBranch Bill Pay: - Up to fifteen (15) bills paid per calendar month - Each additional bill payment per calendar month	no charge $.40 each

UltraBranch Bill Pay:

- Up to fifteen (15) bills paid per calendar month

- Each additional bill payment per calendar month

no charge
$.40 each

ACH maintenance:	$25.00 each month ACH is used
ACH returned item:	$5.00 per item
ACH transaction: - First 100 per calendar month - Over 100 per calendar month	no charge $.05 per item over 100
Bill Pay: Per calendar month	$5.95 unlimited items
Domestic bank wire:	$10.00 per wire