Service Charges
Service Charges and Fees as of June 2009
Checking Accounts
ULTIMATE CHECKING
Qualifications:
Make 12 Visa Check Card point-of-sale transactions per "qualification cycle". These transactions must be run as credit or signature-based to qualify. Enroll in e-banking and receive your monthly statement electronically. You must also follow on-line procedures to cancel paper statements. Set up one monthly recurring direct deposit or one monthly recurring auto debit. Account Opening Fee: None. Monthly Service Fee: None. If you have met your qualifications for the month, we will refund domestic ATM fees up to $3 per item. We will refund a maximum of $20 in domestic ATM fees per statement cycle.
TOTALLY FREE CHECKING
No minimum balance, monthly maintenance fee, or per check transaction fee. Other checking account service charges will apply.
PRIME 55 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 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.
ALL PRODUCTS QUALIFY FOR FREE ONLINE BANKING AND ePAY FOR THE LIFE OF THE ACCOUNT.
CHECKING ACCOUNT SERVICES CHARGES & FEES
| Overdraft: Paid | $32.00 |
| Overdraft: Returned | $32.00 each |
| Sustained Overdraft Fee per business day for accounts overdrawn more then 5 consecutive calendar days | $6.00 |
| Check Printing | depends on style |
| Counter Checks | $0.50 per check |
| VISA® Check Card Replacement | $5.00 |
| Foreign ATM Fee | $2.00 each |
ADDITIONAL SERVICE CHARGES & FEES
| Money Orders | $3.00 |
| Official Clerks | $6.00 |
| Travelers Cheques | 1.5% of face amount |
| Stop Payment Fee | $32.00 |
| 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 |
| Research Time | $20.00 / hour |
| Alen Media Reject Fee | $2.00 each |
| Premature Closing Fee account closed within 90 days of opening | $25.00 |
| Attachment/Levies | $25.00 per occurrence |
| Garnishments | $10.00 per occurrence |
| ePay (Bill Pay) | FREE |
| Dormant Account Fee | $5.00 per month |
| Forced Closed Account Fee | $15.00 |
| Wire Transfers | |
|---|---|
| Incoming | $15.00 |
| Outgoing | $20.00 |
Savings Accounts
BASIC SAVINGS ACCOUNT SERVICE CHARGES
| Excess Transaction Fee imposed for every withdrawal each month after five | $2.00 |
PREMIUM MONEY MARKET SAVINGS ACCOUNT SERVICE CHARGES
| Monthly Maintenance Fee imposed every month in which the minimum daily balance falls below $25,000 any day of the cycle | $25.00 |
| 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 |
