Effective May 1, 2006
| Regular Checking Account | |||
| Non Sufficient Funds Items | $ 25.00 | ||
| Average Monthly Balance Fee | |||
| $ 1,000.00 & greater | No Fee | ||
| $ 500.00 - $1,000.00 | $ 3.00 | ||
| $ 400.00 - $ 499.99 | $ 4.00 | ||
| $ 300.00 - $ 399.99 | $ 5.00 | ||
| $ 200.00 - $ 299.99 | $ 6.00 | ||
| $ 100.00 - $ 199.99 | $ 7.00 | ||
| Below $ 100.00 | $ 8.00 | ||
| Basic Checking Account | |||
| Non Sufficient Funds Items | $ 25.00 | ||
| Senior Citizens Regular Account | |||
| Non Sufficient Funds Items | $ 25.00 | ||
| Statement Fee - Balance under $1,000.00 | $ 2.00 | ||
| Now Account | |||
| Non Sufficient Funds Items | $ 25.00 | ||
| Average Monthly Balance Fee | |||
| $ 2,000.00 & greater | No Fee | ||
| $ 1,500.00 - $ 1,999.99 | $ 8.00 | ||
| $ 500.00 - $ 1,499.99 | $ 6.00 | ||
| $ 500.00 - $ 999.99 | $ 10.00 | ||
| Below $ 500.00 | $ 15.00 | ||
| Interest Will Not Be Paid if Average Balance Drops Below $ 500.00 | |||
| Each Excessive Debit Over 20 Allowed | $ 1.00 | ||
| Money Market Deposit Account | |||
| Non Sufficient Funds Items | $ 25.00 | ||
| Average Monthly Balance Fee | |||
| $1,000.00 & greater | No Fee | ||
| Below $ 1,000.00 | $ 10.00 | ||
| Only 6 Debit Items Allowed Per Month (see disclosures for complete details) | |||
| Each Excessive Debit | $ 10.00 | ||
| Savings Accounts | |||
| Non Sufficient Funds Items | $ 25.00 | ||
| Only 6 Withdrawals Allowed Per Quarter | |||
| Excessive Debit Fee | $ 10.00 | ||
| Average Quarterly Balance Fee below $100.00 | $ 2.00 | ||
| Voice Access Transactions | |||
| Account Inquiries, Funds Transfers, Loan Payments, Faxes | No Charge | ||
| ATM Fees | |||
| First State Bank ATM | No Charge | ||
| All Other Locations - withdrawals and inquiries | $ 1.00 each transaction | ||
| Replacement ATM card | $ 5.00 | ||
| Replacement ATM PIN | $ 3.00 | ||
| Points of sale transactions are charged a $ 0.50 fee from us for debits or credits. Merchants may also charge you a fee. | |||
| Debit Card Fees | |||
| Debit Card Usage Fee | No Charge | ||
| Debit Card Non-Usage Fee | $ 2.00 per month | ||
| Replacement Debit Card | $ 5.00 | ||
| Replacement Debit PIN | $ 3.00 | ||
| Notice Regarding ATM/Debit Fees by Others | |||
| When you use an ATM machine not owned by us, you may be charged a fee by the foreign ATM operator or any network used and you may be charged a fee for a balance inquiry EVEN IF YOU DID NOT COMPLETE A FUND TRANSFER USING ATM OR DEBIT CARD | |||
| Miscellaneous Fees | |||
| Bookkeeping: | |||
| Temporary Checks: NO CHARGE for new accounts $ 1.00 per set of 10 thereafter | |||
| Stop Payment Fee | $ 20.00 | ||
| Account Activity Printout | $ 1.00 each | ||
| Account Inquiry | 5 per month free | $ 2.00 per call after |
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| Account Research | $ 20.00/hour | ||
| General: | |||
| Check Printing (fees depend on style of check ordered) | |||
Fax Fees: |
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| To Send | $ 2.00/sheet | ||
| To Receive | $ 0.50/sheet | ||
| Photocopies | $ 0.25 | ||
| Telephone Transfer Request | $ 2.00 | ||
| Non-customer Check Cashing Fees- | |||
| Below $ 500.00 | $ 5.00 | ||
| Above $ 500.00 | 1% of check | ||
| Loan Department: | |||
| Amortization Schedules | $ 10.00 | ||
| Letter of Guaranty | $ 5.00 | ||
| Letters of Credit | 1/2% of value | ||
| Automatic Loan Payment | No Charge | ||
| Call-in Loan Payment | $ 3.00 | ||
| Coupon Book Reprint | $ 2.00 | ||
| Wire Transfer Fees: | |||
| Customers | |||
| To Send | $ 10.00 | ||
| To Receive | No Charge | ||
| Non-Customers | |||
| To Send | $ 30.00 | ||
| To Receive | $ 15.00 | ||
| Bank Drafts & Bank Money Orders | |||
| $ 1.00 - $ 99.99 | $ 1.00 | ||
| $ 100.00 - $ 199.99 | $ 2.00 | ||
| $ 200.00 - $ 299.99 | $ 3.00 | ||
| $ 300.00 - $ 399.99 | $ 4.00 | ||
| $ 400.00 & greater | $ 5.00 | ||
| Safe Deposit Boxes | |||
| 3 x 5 | $ 18.00 | ||
| 3 x 10 | $ 24.00 | ||
| 5 x 5 | $ 22.00 | ||
| 7 x 5 | $ 26.00 | ||
| 5 x 10 | $ 36.00 | ||
| 10 x 10 | $ 60.00 | ||
| 10 x 17 | $ 75.00 | ||
| Lost Key Fee | $ 10.00 per key |
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