Service Charges Effective June 1, 2002

 Monthly Service Charge for Checking Accounts
A fee of $5.00 per month will be assessed. The following accounts will not be charged this fee:

SmartChoice accounts
Checking accounts with balance >$2000.00
Checking accounts with balance >$500.00 and a Debit Card, direct deposit and Smartline/Smartlink

Share Account Maintenance Charge
A fee of $5.00 per month will be assessed. The following accounts will not be charged this fee:

SmartChoice accounts
S1 balance >$200
Accounts with any other service such as another share, direct deposit, loan, Visa Credit Card, Visa Debit Card, or Smartline/Smartlink
Youth accounts (17 and younger)

Excess Teller Withdrawal Charge
Members may make up to 4 account withdrawals per month from a teller at the credit union with no fee. Each additional withdrawal in a one month period will be charged a fee of $5.00 per transaction. This does not include withdrawals made via ATM, Smartline, or Smartlink. The following accounts will not be charged this fee:

SmartChoice accounts
Accounts with  total share balances of $200.00 or greater
Accounts with total loan balances (including Visa Credit Card) of $5000.00 or greater

Telephone Transfer Charge
Members who request a transfer via the telephone will be charged $1.00 per transfer. The following accounts/transactions will not be charged this fee:

SmartChoice accounts
Transfers made via ATM, Smartline, or Smartlink

Check Cashing Charge
A fee of $5.00 will be assessed for each check cashed. The following accounts will not be charged this fee:

SmartChoice accounts
Youth accounts (17 and younger)
Accounts with total share balances of $200.00 or greater
Accounts with total loan balances (including Visa Credit Card) of $5000.00 or greater