         |
First Mortgage Loans |
Home Equity Loans & Lines
Checking Accounts |
Savings Accounts
Business Accounts |
Fees
FEES & CHARGES
| CHECKING AND SAVINGS ACCOUNT FEES | |
|
Below Minimum Balance |
|
|
Interest & Independence 50 Checking |
$10.00 |
|
Independence Checking |
$15.00 |
|
Statement Savings |
$2.50 |
| Premium Money Market | $20.00 |
|
Money Market |
$10.00 |
| Nonsufficient Funds/Unavailable Funds Charge (consumer accts): | |
| Item Returned or Paid | $35.00 |
| Nonsufficient Funds/Unavailable Funds Charge (business accts): | |
| Item Returned or Paid | $45.00 |
| Overdrawn account administrative management fee | $5.00 |
|
Overdraft Transfer (more than one per statement cycle) |
$5.00 |
|
Copy of Paid Check |
$5.00 |
|
Certified Check |
$15.00 |
|
Stop Payment |
$15.00 |
| Stop Payment Cancellation | $10.00 |
|
Settlement of Statement (per hour) |
$20.00 |
| Duplicate Statement | $5.00 |
| Lost Passbook | $5.00 |
| Excess Money Market or Savings Account Transactions | $15.00 |
| Night Deposit Bag (per bag) | $20.00 |
| (refundable when bag and keys are returned in good condition) | |
| Closed Checking Account within 6 Months of Opening | $15.00 |
| Undeliverable Account Statement | $5.00 |
| Escheat Account | $25.00 |
| OTHER FEES | |
| Wire Transfer: | |
|
Incoming |
$10.00 |
|
Outgoing - Domestic |
$15.00 |
|
Outgoing - International |
$50.00 |
| ATM Card - monthly maintenance fee | $2.00 |
| Visa Debit Card - monthly maintenance fee | Free |
| ATM/Visa Check Card - Freedom Checking | |
|
Withdrawal at Non HVB ATM |
$.50 |
| Point of Sale Purchase Using PIN | $.50 |
| Point of Sale purchase - signature | Free |
| Replacement of ATM/Visa Check Card | $5.00 |
| Processing of Foreign Check - Exchange Rate Plus | $15.00 |
| Money Order | $4.00 |
| Bank Check. | $5.00 |
| Photocopy of Bank Check. | $6.00 |
|
Stop Payment of Bank Check or Money Order |
$20.00 |
| Stop Payment Cancellation | $10.00 |
| Deposited Item Returned | |
| Second Party | $15.00 |
| Third Party | $10.00 |
| Deposited Item Returned Twice | |
| Second Party | $20.00 |
| Third Party | $15.00 |
|
Mortgage Payment Check Returned. |
$15.00 |
| Coupon Fee (Per Envelope) | $10.00 |
| Duplicate Copy of 1099 Statement | $5.00 |
| Research - Per Hour. | $20.00 |
| Legal Fees (IRS attachments, levies, etc.) - in addition to actual expenses | $75.00 |
| IRA Outgoing Transfer | $10.00 |
|
SAFE DEPOSIT BOX FEES |
|
| Annual Rental: | |
|
3” x 5” |
$30.00 |
|
5” x 5” |
$45.00 |
|
3” x 10” |
$60.00 |
|
5” x 10” |
$105.00 |
| 10” x 10” |
$150.00 |
| Late Rental Payment | $5.00 |
| Replacement of Key | $12.00 |
| Drilling of Box | $150.00 |
If a Freedom Checking account has no activity for one (1) year and the balance is below $300, a $5 inactivity fee will be charged monthly until the account is closed.
For Passbook, School Savings and Statement Savings accounts with balances under $50 and no activity for one (1) year, a $5 inactivity fee will be charged annually until the account is closed.
