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Fee Schedules

Personal & Business Account Service Fee Schedule
Effective 02/01/2016

Personal Account Service Fees

General Account Maintenance Fee
Touch Tone Teller Transfers FREE
Educators Online Banking Transfers FREE
Telephone Transfers by Office Personnel $3.00
History or Checks Cleared Printout
(per month — last 30 Days)1
$3.00
Statement Copies (per month)1 $5.00
Dormant or Inactive Acct. After 18 months (per month)2 $5.00
Money Market Below Min. Balance Fee (per month) $10.00
Early Account Closures (Prime Share — first 90 days after account opening) $20.00
Health Savings Account (HSA) (one-time opening activation fee) $25.00
Account Balancing or Research (per hour) $30.00
Checking FEE
Monthly Checking Account Fee (waived with E-Statement Enrollment) $2.00
Overdraft Paid by Automatic Transfer from Savings accounts $5.00
Copy of Paid Check1 $5.00
Fresh Start Checking (per month if balance goes below $100
or less than 3 Loyalty Pay Back Services are used)
$10.00
Deposited Check Returned from Other Accounts $15.00
Fresh Start Checking (one-time opening activation fee) $20.00
Revoked EFT Authorization of ACH Stop Payment $25.00
Stop Payment Order $25.00
Deposited Check Returned from Own Account $30.00
Non-Sufficient Funds $30.00
EFT withdrawal Returned or Paid (insufficient funds) $30.00
Courtesy Overdraft Privilege $30.00
Foreign Check (U.S. or foreign funds) (approx. $10-$50) COST
debit and credit cards FEE
Re-PIN of Debit Card (all full-services locations) FREE
Copy of Draft/Charge Slip (Debit Card or Credit Card) $5.00
Replacement of Credit Card or Debit Card $5.00
Picture My Card (one FREE card within three-year expiration,
otherwise fee applies per card)
$10.00
ATM Empty Envelope Deposit $50.00
Miscellaneous FEE
Coin Machine (limited use — details on coin machines) FREE
Cashiers Checks (checks over $1,000/one FREE per day) $3.00
Money Orders $3.00
Check Cashing Fee (savings accounts only with less than $100 —
waived for minor accounts)
$5.00
Return Mail or Statement — incorrect address (per month) $5.00
EZ Bill Pay Unlimited Transactions (per month —
FREE when paying two or more bills per month)
$5.95
EZ Bill Pay — same day payment (expedite) $9.95
Non-Member Cashiers Check/Check Collection Fee $10.00
Stop Payment on Lost Cashiers Check or Money Order $25.00
Garnishment/Levy Fee (per order) $30.00
Reg D Withdrawals (pre-authorized over monthly limit of six) $30.00
Mortgage Subordination Agreement $150.00
Wire Transfers FEE
Wire Transfer (incoming) $10.00
Wire Transfer (outgoing – domestic) $20.00
Wire Trace Fee COST
Safe deposit boxes FEE
3″ × 5″ × 24″ $30.00
5″ × 5″ × 24″ $45.00
3″ × 10″ × 24″ $50.00
5″ × 10″ × 24″ $65.00
10″ × 10″ × 24″ $90.00
Key Replacement (one key) $20.00
Late Fee (30 days past due date) $10.00
Drilling Fee (both keys lost) $250.00

Business Account Service Fees

Service FEE
Per Item Charge for Business Checking (first 300 FREE each month) $0.15
Monthly Checking Account Fee (waived for E-statement accounts) $10.00
All Business Checking Set-up Charge (one-time waived for non-profit checking) $25.00
wire transfers FEE
Wire Transfer (outgoing—international) $50.00

Fees are subject to change and are not guaranteed.

1FREE if done online with Educators Online Banking.

2Excludes accounts with Share Certificate, IRA, or active loan (at least one purchase, advance or payment must be completed within the last 12 months) or credit card accounts.

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