Fee Schedule

Effective May 2012

Membership application	No charge
Opening fee	None
Monthly service charge	None
Close within 6 months of opening	$25
Dormant accounts (no activity within 12 months):
Dormant monthly fee:	$5
Negative accounts after 7 calendar days	$2 per day

Monthly service charge	None
Overdraft transfer notification	$1.50
“Paid” Non-Sufficient Funds (NSF) checks: Per check, up to $500 negative balance This service will only be available to members who meet eligibility requirements.	$30
Returned Non-Sufficient Funds (NSF) checks	$30

Returned Payment/Deposited Item:
Written on themselves	$30
Received from non-member	$10
Received from another member	No charge

Stop payment order:
Single check or series of checks	$30
Check/Debit card POS stop order	$30

Photocopy or off-site inquiry per copy	$2
Foreign check currency conversions	$1

Including automated funds transfers and vendor payments set up through the Federal Reserve’s Automated Clearing House (ACH)

Member requested ACH stop/return - Requires an affidavit signed by member - Applied each time a vendor withdrawal is attempted	$30
ACH Non-sufficient funds (NSF):
Overdraft transfer notification	$1.50
NSF ACH not covered by transfer	$30

No Charge

First 100 texts per month	No Charge
After 100 texts per month	$.05 each

- Highmark subscribes to the Instant Cash ATM system.

Application and initial order	No Charge
Reorder or Lost Card	$5
Foreign / International Transaction Fee	$10

Fee per ATM transaction, Instant Cash and COOP Network at participating locations:
First eight per month	No Charge
Over eight per month	$2.00 each
Non-Instant Cash machine	$2.00 each

Fee per Domestic Debit transaction	None
Monthly service charge	None
Overdraft transfer notification	$1.50

Non-sufficient funds (NSF) withdrawals*
Up to $500 negative balance	$30 per transaction
Over $500 negative balance	Revocation of card plus $30 per transaction

*This service is subject to eligibility requirements.

Foreign / International Transaction fee	1% of each transaction in US dollars
Document Copy Fee	$5
Rush Fee	$30
Emergency Card Replacement Fee	$30
Card Replacement Fee	$5

Credit Union Checks	$2
Money Orders	$1
Stop Payment on lost or stolen CU checks - Requires an affidavit signed by member	$30
Stale-dated credit union checks	$15 per month

CPI (Collateral Protection Insurance) Processing Fee	$35
Counter Checks (Qty of 8)	$5
Medallion Signature Guarantee	No Charge
Address Correction/Return Mail/No Address	$5 quarterly
Early withdrawal (Summer Savings)	$25
Early withdrawal (Christmas Club)	$5
Account research	$15/hour ($5 minimum)
Checkbook/account reconciliation	$15/hour ($5 minimum)
Account statement printout	$1 per sheet
Notary service: members only - Limited to one (1) per day	No Charge
Payment-by-phone checks	$10
Loan payment deferral	$30
NSF Return Loan Payment	$30
Title handling fee/perfection of title	$ at cost
Photo copies	$.10 per page
Incoming FAX	$1 per page
Outgoing FAX (non international faxes):	First page $1 Each additional page $.50
Check cashing per transaction (No fee if under age 19 or have $200 on deposit or $200 loan balance)	$3
Regulation D limits to electronic transfers In excess of six	$5
Incoming Collection Item	$10
Outgoing Collection Item	$10
Live telephone transfers/inquiries	$2
Written Verifications of deposit	$5
Compliance with Garnishment/Levy/Legal order	$15
IRA unqualified withdrawal (under age 59½)	$10

	W/out Active Checking	With Active Checking
3 x 10 Box	$15	$10
5 x 10 Box	$45	$40
10 x 10 Box	$65	$60
Key Deposit	$25	$25
Replacement Lock (one key lost)	$45	$45
Replacement Lock (both keys lost)	$125	$125
Late Fee (of Annual Rental Fee)	$5	$5