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The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Overdraft Privilege Discretionary service on personal checking accounts Check cashing(non-customers) $1.00 per $100.00 minimum of $5.00 Overdrafts-Paid Item Fee $30.00 Returned Item Fee $30.00 Continuous overdraft $1.00 per day after two days Returned Deposited Items $3.00 each Stop payments $20.00 Postdated check $30.00 Cashier’s check       Customers       Non-customers $3.00 $5.00 Collections-incoming $15.00 (plus other bank fees) Collections-outgoing $15.00 Wire transfer       In       Out       International -0- $20.00 $85.00 Account reconciliation $25.00/hour Statement reproduction $2.00 Notary $2.00 Night deposit bag $10.00/year Zipper bag $5.00 Visa® Check Card $5.00 issue fee $5.00 replacement Plus $.50 withdrawal fee at foreign ATM location Daily limits: $750.00-signature, $500.00-PIN ATM Card $5.00 issue fee $5.00 replacement Plus $.50 withdrawal fee at foreign ATM location Daily limits: $500.00 Coin sorting & wrapping 5% of total Accounts closed within 90 days $10.00 Money orders       Customers       Non-customers $2.00 $3.00 Legal process $50.00 Telephone Transfer $1.00 Limit: 6 per month from Savings or Cash Management License Stickers $4.75 (available at White Hall and Waverly only) Online Banking Free Online Bill Payment Free Internet Transfers Limit: 6 per month from Savings or Cash Management Account Research $25.00 per hour Research copies $1.00 per copy Photocopies $.30 per copy ACH Transfer receipt Free Gift Cards $5.00 issue fee Travel Money Cards $10.00 issue fee, $5.00 re-load fee