HOME FINANCIAL SERVICES (WEB)

• Free On-Line Banking
• Free e-Statements
• Free 16 month Statement retention
• Free e-Check copies

ATM / DEBIT MASTERCARD

No annual fee
No ATM transaction fees
No Point-of-Sale fees
SUM Network	no surcharges
Replacement Card	$10.00

CHECKING
No minimum balance
No monthly fees
No per check fees

Check Copy	$5.00
Statement Copy	$5.00
Stop Payment	$10.00

INSUFFICIENT FUNDS
(Checking, ATM, EFT)

NSF - Returned Unpaid	$15.00
NSF - Overdraft Paid	$15.00
NSF - Overdraft Transfer	$2.00

MISCELLANEOUS FEES

Returned Deposit Item	$15.00
AMEX Travelers Checks	$1 per $100
AMEX Gift Checks	$2.00
Travelers Express Money Orders
Members	$1.00
Non-members	$3.00
Telephone Transfers	no fees
Stop Payment - Official Check	$20.00
Club - Early Withdrawal	$5.00
Dormant - Inactive > 3 yrs	$5.00
Account Research/hour	$20.00
Collection Items	$20.00
Wire Fee - Incoming	$20.00
Wire Fee - Outgoing	$25.00

IRA ACCOUNTS

No Annual Fees
Transfer Fee - Outgoing	$20.00

BANK BY PHONE

Up to 20 calls per month	FREE
Over 20 calls	$1.00 per call