Schedule of Fees Effective April 3, 2009
Account Research $15.00 per hour $5.00 minimum ATM Withdrawals at any STAR®, Cirrus® or Exchange® location No charge* American Express Travelers Cheques 1% of purchase American Express Travelers Cheques for Two 1.5% of purchase Automatic Overdraft Transfer $5.00 Cashier's Check payable to Accountholder No charge Cashier's Check payable to third party $3.00 Check Printing Charges Varies by style Close account w/in 6 mos. (excludes CDs) $5.00 Collection of foreign item Varies Copy of Accountholder Check $5.00 Copy of Deposited Item $7.00 Copy of previously issued account statement $5.00 Excess Withdrawal - Money Market/Savings Account  $15.00 per item  Funds Transfer:   - Incoming/Outgoing - standard No Charge - Pay People $3.50 - Incoming/Outgoing - premium (next day) $7.50 Historical Statement, Check & Deposit Image viewing No Charge Insufficient Funds $20.00 per item Legal Document Fees (i.e. subpoenas) $50.00 Monthly Service Charge,if balance falls below minimum any day during statement cycle, all checking and money market $5.00 Monthly Service Charge, if balance falls below minimum any day during statement cycle, all savings except Premier Savings $.75 Negative Account balance $5.00 Online Banking No access charge Online Banking Bill Payer Service No Charge (Regular & Money Market Checking accounts: $5.95 per month up to 10 payments, $0.40 each additional payment) Release of Restraint or Levy $25.00 Returned Deposited Item $15.00 Special Cash Order(shipment) $50.00 Statement Reconciliation $15.00 per hour $5.00 minimum Stop Payment Order, accountholder check, ACH $15.00 Stop Payment Order, Cashier's check $10.00 Stop Payment Order, Visa preauthorized payment $25.00 Wire Transfer: - Incoming No charge - Outgoing - domestic destination $15.00 - Outgoing - international (U.S. Currency) $32.00 - Outgoing - international (Foreign Currency) $47.00
All fees are subject to change. You will be notified 30 days in advance of any change in fees. Read in conjunction with "Deposit Rates", " Account Portfolio", "Deposit Account Rules and Regulations", and other materials for complete disclosure.
* Other Banks may charge a fee called a "surcharge" for the use of their ATM. Fees will be assessed for use of Visa International ATM or POS terminals called an “Int’l ATM Cash Disbursement Fee” or “Int’l Service Assessment Fee (ISA)” effective 09/01/09.
Rev 07/09

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last updated 07/14/2009 lmm
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