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 2st withdrawal each calendar quarter

Account Fees

Type	Fee	Conditions
Overdraft Fee	$30.00/Item
Service Charge checking	No fee
Service Charge ( Fresh Start Checking)	$10.00/Month
NSF/Overdraft Fee	$30.00/Item
Returned Item Fee	$30.00/Item
Stop Payment Fee	$25.00/Request	For Checking/Saving Accounts
Stop Payment Fee for range of checks	$55.00/Request	For Savings Accounts
Check Printing Fee	Varies	Depending on style
Postdated Item	$5.00/Request
Check Copy Fee	$3.00/Copy
Account Closing	$25.00 if account closed within 90 days of account opening
Account Reconciliation	$10.00/Hour ($5.00/Hour)	For the first hour (each additional hour)
Account History Print Out	$1.00	For each page
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 Outgoing $10.00 Incoming
Below Minimum Balance fee	$5.00/Month
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	$5.00/Check if account balance less than $100 or no deposits withing the last 30 days of $100 or more

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