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| Checking Account Fees | | |
| Check Printing | $ vary upon style | Senior Ck Only - 1 Free box per year |
| Courtesy Pay | $30.00 | per item |
| Money Market Transaction Fee | $10.00 | per item over allowed number of transactions |
| Non-Sufficient Funds (NSF) | $30.00 | per item |
| Overdraft-Transfer Fee | $5.00 | per transfer |
| Returned Deposit Item | $30.00 | per item |
| Service Charge - Bonus Checking | $10.00 | per month if balance is below minimum |
| Service Charge - Business Checking | $10.00 | per month |
| Service Charge - Fresh Start Checking | $10.00 per month | $7.50 per month with direct deposit |
| Service Charge - Money Market | $10.00 | per month if balance is below minimum |
| Service Charge - Regular Checking | $8.00 | per month if balance is below minimum |
| Stop Payment | $30.00 | per request |
| Temporary Check Fee | $0.10 | per check / $0.40 per page |
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| Other Service Fees | | |
| Account Closure | $15.00 | if closed within the first year |
| Account History Print Out | $1.00 | per account |
| Account Reconciliation | $25.00 | per hour |
| Cash Advance | 3% | of cash advance amount |
| Cashier's Check | $2.00 | per check |
| Cashier's Check | FREE | made payable to self or other FI |
| Check Copy | $3.00 | per copy |
| Collection Item | $12.00 | per item |
| Foreign ATM | FREE | excludes ATM owner fee |
| Gift Card - MasterCard | $2.50 | initial purchase |
| Inactive Bill Pay | $4.95 | after 2 months of no bill pay activity |
| Inactive (Dormant) Account | $10.00 | per month after 24 months no activity |
| Levy | $25.00 | per levy |
| Loan Coupon Fee | $10.00 | per loan / per order |
| Member Check Cashing | 1% or $7 min | less than $500, savings account only |
| Non-Member Check Cashing | 1% or $7 min | |
| Online Loan Payment | $4.95 | per loan payment |
| Reloadable MasterCard | $5.00 | initial purchase - other fees may apply |
| Reloadable Travel MasterCard | $5.00 | initial purchase - other fees may apply |
| Reloadable Youth MasterCard | $5.00 | initial purchase - other fees may apply |
| Returned Mail / Bad Address | $5.00 | per month |
| Same Day Transfer through Home Banking | $4.95 | per transaction - incoming and external transfers |
| Savings Account Excess (Reg D) | $2.00 | per transaction over allowed 6 limit per month |
| Skip-a-Pay | $50.00 | per loan |
| Statement Copy | $3.00 | per copy |
| Paper Statement Fee | $5.00 | per statement cycle (for memberships opened after 03/01/2018) |
| Teller Check | $2.00 | per check |
| Teller Check | FREE | payable to self or other FI |
| Travel MasterCard Reloadable Fee | $5.00 | initial purchase -other fees may apply |
| Wire Transfer - Outgoing (domestic) | $15.00 | per wire |
| Wire Transfer - Outgoing (international) | $30.00 | per wire |
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| EFT Fees | | |
| ACH Overdraft | $30.00 | per item |
| ATM/Debit Card Replacement | $5.00 | per card |
| Debit Card Overdraft | $30.00 | per item |
| Overdraft Transfer | $5.00 | per transfer |
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| Safe Deposit Box Fees | | |
| Available at Gainesville and Whitesboro | Branches | |
| Annual Rent | | Rent due on anniversary of rental date |
| 3 X 5 Box | $25.00 | per year |
| 3 X 10 Box | $45.00 | per year |
| 5 X 10 Box | $55.00 | per year |
| 10 X 10 Box | $100.00 | per year |
| Change of Locks | $175.00 | per lock |
| Drilling of Boxes | $175.00 | per lock |
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| Share Value / Membership Fee | | |
| Par Value of One Share | $25.00 | per share membership |
| Membership Fee | $1.00 | one time |
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| ALL FEES SUBJECT TO CHANGE | | |
