FEE SCHEDULE
Regular Share Savings Fees
TYPE	FEE		CONDITIONS
Withdrawal Fee	$4.00/Withdrawal		After 2nd withdrawal each calendar month
Rainbow Share Savings Fees
TYPE	FEE		CONDITIONS
Withdrawal Fee	$10.00/Withdrawal		After 1st withdrawal each calendar quarter
Club Share Savings Fees
TYPE	FEE		CONDITIONS
Withdrawal Fee	$10.00/Withdrawal		After 1st withdrawal each calendar year
Account Fees
TYPE	FEE		CONDITIONS
Overdraft Fee	$30.00/Item
Services Charge (Checking)	$.00/Month
Service Charge ( Fresh Start Checking)	$10.00/Month
NSF Fee	$30.00/Item
Returned Item Fee	$30.00/Item
Stop Payment Fee	$25.00/Request		For Checking Accounts
Stop Payment Fee	$25.00/Request		For Savings Accounts
Check Printing Fee	Varies		Depending on style
Postdated Item	$5.00/Request
Check Copy Fee	$3.00/Copy
Closing Cost (Involuntary)	$15.00/Account		If unused checks are not returned
Account Reconciliation	$10.00/Hour		For the first hour
Account Reconciliation	$5.00/Hour		For each additional hour
Dormant Account Fee (Checking Accounts)	$5.00/Month		With no activity in 12 months
Dormant Account Fee (Savings Accounts)	$5.00/Month		With no activity in 12 months
Overdraft Transfer Fee	$2.00/Transfer
Other Service Fees
TYPE	FEE		CONDITIONS
Account Research	$10.00/Hour
Statement Copy Fee	$5.00/Copy
Deposited Item Return Fee	$30.00/Item
Items Sent for Collection	$5.00/Item
Wire Transfer Fee	$25.00/Transfer		Outgoing
Certified Check	$5.00/Check
Return Statement Fee for Incorrect Address	$6.00 per statement
Legal Process Fee	$10.00/Item
VISA Debit Card Replacement	$15.00/per card
Inactive Account Fee	$5.00/Month		After 1 year
Check Cashing Fees for Non-Checking Account Members	$10.00 for checks up to $250.00 and $20.00 for checks up to $500.00
EFT Fees
TYPE	FEE		CONDITIONS
ATM Transaction Fee	$2.00/Withdrawal or Transfer		After 1st per month
Share Value
TYPE	FEE		CONDITIONS
Par value of one share	$5.00