Home : Rates : Service Charges Learn More » Rates Service Charges Related Links » Special Offers/New Products » Find a Home Federal Bank location near you Service Charges and Fees as of July 1, 2006 Checking Accounts ALL-IN-ONE $10 initial fee to open account. No minimum balance, monthly maintenance fee, or per check transaction fee for customers with a recurring direct deposit and making a minimum of 12 check card transactions per month. With no direct deposit, customer must maintain $1,000 minimum balance required to avoid $10 insufficient balance fee. If fewer than 12 check card transactions are conducted during the month, an insufficient transaction fee of $10 will be assessed. No fees will be assessed by Home Federal Bank for the use of non-Home Federal Bank ATM machines. If customer is charged ATM fees by other institutions, a reimbursement is available for the charges after providing Home Federal Bank with a copy of the receipt. Free online banking and bill payment for the life of the account.* Other checking account service charges will apply. TOTALLY FREE CHECKING No minimum balance, monthly maintenance fee, or per check transaction fee. Other checking account service charges will apply. 55+ FREE INTEREST CHECKING No minimum balance, monthly maintenance fee, or per check transaction fee for customers 55+. Free personalized generic checks and free online bill payment for the life of the account.* Other checking account service charges will apply. VIP FREE INTEREST CHECKING No minimum balance, monthly maintenance fee, or per check transaction fee for customers with a recurring Home Federal automatic mortgage or consumer loan payment plan; or a recurring direct deposit of social security, retirement, or payroll check. Free online bill payment for the life of the account.* Other checking account service charges will apply. WALL STREET CHECKING A monthly maintenance fee of $8.00 will be imposed every statement cycle in which the daily balance in the account falls below $1,000.00 any day of the cycle. Free online bill payment for the life of the account.* Other checking account service charges will apply. WALL STREET SELECT CHECKING Minimum balance to open the account (and to avoid the monthly service charge) is $10,000. If the balance falls below the minimum required (at any point during the statement cycle) the monthly service charge is $25. Tiered rate structure. First order of checks free. Free on-line bill payment for the life of the account.* FRESH START $10 initial fee to open the account. $20 monthly service charge. Free online banking and bill payment.* Other checking account service charges will apply. Checking Account Service Charges and Fees Overdraft: Paid $32.00 each Overdraft: Returned $32.00 each Sustained Overdraft Fee per business day for accounts overdrawn more than 5 consecutive calendar days $6.00 Stop Payment Fee $32.00 Check Printing depends on style Items Deposited and Returned $6.00 per item Photocopies $2.00 per page Re-cleared Items $2.00 per item Collection Items $15.00 per item Checkbook Balance/Research Time $20.00 / hour Alien Media Reject Fee $2.00 each Counter Checks $0.50 per check Premature Closing Fee account closed within 90 days of opening $25.00 Attachments/Levies $25.00 per occurrence Garnishments $10.00 per occurrence VISA® Check Card Replacement $5.00 eBanking Bill Pay First 90 days FREE $5.95 per month Dormant Account Fee $5.00 Foreign ATM Fee $2.00 each Forced Closed Account Fee $15.00 Additional Services Money Orders $3.00 Official Checks $6.00 Travelers Cheques 1.5% of face amount Wire Transfers Incoming $15.00 Outgoing $20.00 Savings Accounts Statement Savings Account Service Charges Monthly Maintenance Fee imposed every month in which the minimum daily balance falls below $200 any day of the cycle $3.00** Excess Transaction Fee imposed for every withdrawal each month after five $1.00 Money Market Savings Account Service Charges Monthly Maintenance Fee imposed every month in which the minimum daily balance falls below $1,000 any day of the cycle $10.00 Excess Check Transaction Fee imposed for every check posted during a statement cycle after three $10.00 Excess Withdrawal Transaction Fee imposed for every withdrawal each month after six, three of which may be made by check $10.00 *Upon Approval **Waived for minors and trustees for minors Equal Housing Lender    Member FDIC.    ©2005 All rights reserved. 1-800-888-7283   /   208-466-4634    Privacy    Security