Common Features

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

Issue or replace ATM Card	No Charge
Issue or replace Debit Card	No Charge
Automatic transfer of funds from a savings account to a checking account	$1.00
Checking printing	(fee depends on style of check ordered)
Check rejection fee (after three)	$.25 each
Counter Checks	$.10 each
Certified Checks	$5.00
IPS money order (up to $1,000.00)	$1.50
Bank cashier check - customer	No Charge
Traveler's Checks	1% of total amount
Deposited checks (and other items) returned unpaid (foreign)	$3.00
Overdraft (each debit or check paid or returned)	$22.00
Account activity printout	$1.00 per account
Balance inquiry by telephone	$1.00 per account
Account research	$20.00 per hour
Account balancing assistance	$10.00 per hour
Telephone transfer from savings to checking	$1.00
Telephone transfer from savings to savings	$1.00
Telephone transfer from savings to certificate of deposit	$1.00
Telephone transfer from checking to savings	$1.00
Telephone transfer from checking to certificate of deposit	$1.00
Stop payments (all items)	$15.00
Photocopies	$1.00
Wire Transfers:
Outgoing	$15.00
Incoming	$10.00
Foreign	$60.00
Collection items:
Auto Dealer Drafts	$25.00
Incoming	$10.00
Outgoing	$10.00
Safe deposit boxes (annual rental):
3 x 3 (Center Branch)	$15.00
3 x 5 (Hemphill Branch)	$15.00
2 x 10	$20.00
3 x 10	$25.00
5 x 10	$35.00
10 x 10	$65.00

We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.