| Effective February 15, 2010 |
Relationship Account |
Non-Relationship Account |
| Home Banking Fee |
FREE |
FREE |
| E-Statements |
FREE |
FREE |
| Check Copies via Home Banking |
FREE |
FREE |
| Call-24 |
FREE |
FREE |
| Bill Payment |
FREE |
$3.00 |
| Debit Card Annual Fee |
FREE |
FREE |
| FNE ATM Access |
FREE |
FREE |
| Balance Inquiry (@ FNE ATM)** |
FREE |
FREE |
| ATM Card Out of Network Transactions |
FREE |
$1.00 |
| ATM Fee (after 5 free/mo.)**, Balance Inquiry Elsewhere |
FREE |
$2.00 |
| Replacement Card, ATM Manual Transfers, Deposit Entry Error, Reinstatement Fee |
FREE |
$10.00 |
| Foreign ATMs |
$1.00 |
$2.00 |
| Debit Card Inactive Fee (monthly)*** |
$2.00 |
$5.00 |
| ATM Annual Card Fee |
$20.00 |
$20.00 |
| Manual Clearing of personal checks |
FREE |
$2.00 |
| Check Copies |
FREE |
$3.00 |
| Improper Check Endorsement |
FREE |
$10.00 |
| Reconciling Statement (min/hr), Account Research (min/hr) |
FREE |
$15.00 |
| Stop Payment-Bank Check, ACH & per draft - max $50 for consecutive series |
FREE |
$20.00 |
| Transfer from Line of Credit or Shares to Checking, Regular Cking below minim balance |
$5.00 |
$10.00 |
| ACH/NSF returned by or to Credit Union, Courtesy Pay per Check Fee, Negative Balance Fee |
$30.00 |
$30.00 |
| Inactive Line of Credit Fee |
FREE |
$5.00 |
| Line of Credit Over Limit Fee |
$5.00 |
$15.00 |
| Loan Payoff Fee (Competitor Loan Payoff) |
$10.00 |
$10.00 |
| Skip-A-Pay (2 payments per year/per loan) |
$15.00 |
$25.00 |
| Mortgage Subordination Fee, Processing per notice of Levy, Legal Execution, or Garnishment |
$25.00 |
$25.00 |
| Mortgage Modification Fee |
$50.00 |
$175.00 |
| Credit Score (annually or quarterly if relationship) |
FREE |
FREE |
| Savings Only H/H paper stmt Fee (quarterly)**** |
FREE |
$2.00 |
| Withdrawal Fee (without cking acct)**** |
FREE |
$2.00 |
| Money Orders (per order), Official Check |
FREE |
$3.00 |
| Stmt Copies/Returned Stmt (2nd Return), Official check to payee other than owner. |
FREE |
$5.00 |
| Closing Account within 6 mo. of opening |
FREE |
$10.00 |
| Wire Transfers - Incoming/Outgoing (domestic only) |
FREE |
$10.00/$25.00 |
| Certificate Transfer to another institution per cert. |
FREE |
$25.00 |
| Dormant Account (one time) |
FREE |
$35.00 |
| EVantage Branch Transaction Fee |
$2.00 |
------- |
| Telephone/pre-authorized transfer-after 6 free per month, Inactive Bill Pay, Debit Card, Share and Checking Account Fee |
$2.00 |
$5.00 |
| Credit Score Protection Package (qtrly fee), Mortgage Check-Up Package (qtrly fee) |
$5.00 |
$10.00 |
| Credit Score Enhancement (1st Credit Report FREE) |
$5.00 |
$15.00 |
| Advantage/Evantage Below Account Parameters |
$15.00 |
$15.00 |
| Safe Deposit Box Annual Rental - small/large |
$35.00/$65.00 |
$35.00/$65.00 |
| CD Early Withdrawal Interest Penalty |
3 months < 1 year |
6 months > 1 year |
| ATM Surcharge (non-members) |
$2.75 |
$2.75 |
