FEE SCHEDULE

Deposit Processing Services Offered On This Site Are Provided By Waterfield Bank
Product Fee Schedule Effective as of
Fee Schedule Subject to Change

Monthly Maintenance Fee Fee will be waived if a minimum average monthly balance of $1,000.00 is maintained	$10.00
Mail Deposits	Free
Direct Deposits	Free
On-line Transfers	Free
Telephone Transfers	Free

ACH Items
Incoming	Free
Outgoing	Free

Cash Machine / Check Card
ATM / Check Card issuance fee	Free
ATM / Check Card replacement card	Free

Monthly Account Statements
Electronic Statements	Free
Paper Statements	$5 per statement

Negative Account Balance (per calendar day, after 5 days)
529 Checking	$2.00

Wire Transfers
Incoming	Free
Outgoing Domestic	$30
Outgoing Foreign	$55

Research
Check Copy	$7.50
Statement Copy	$7.50
Research on account (per hour)	$35

Overdraft created by Check, ATM or other Electronic means, Fees & Returned Checks	$39
Returned On-Us Items	$39
Returned Deposited Item	$20

Stop Payment	$20
Cashier's Check	$12
Early Closing Fee (within 180 days)	$30
Garnishments, Executions & Levies	$50
Overnight Federal Express Service (At Customer's Request) (* Additional Charges Applied For Saturday Delivery)	$29

Bill Payments & Money HQ Products Provided By Online Resources Corporation - Fee Schedule
Bill Payment service for up to 25 transactions is FREE with Direct Deposit or a minimum average monthly balance of $1,500.00.
Below minimum average monthly balance or without Direct Deposit	$6
Transactions in excess of 25 per month	$0.50 each

Money HQ Services
Each transfer made outside the Bank (Fee shall be deducted from your primary account at month-end)	$2
Next Day Transfer (Fee shall be deducted from the account you are transferring from at the time of the transfer)	$7.95

	The Banking center is brought to you by Waterfield Financial Services (WFSI) who contracts with its affiliate Waterfield Bank to provide the deposit products and services offered through this site. The deposit products are FDIC insured by one of the participating financial institutions to the full extent of the law.