| Schedule of Fees & Charges |
| Account Research Fee |
$5 per ¼ hour, with ¼ hour min |
| ATM/Debit Card Replacement Fee |
$5 each |
| Bad Address/Return Statement |
$5 per month |
| Check Book Reconciliation |
$25 per hour with 1 hour min |
| Check Cashing Fee |
1% of check, min. $5, waived w/ $100 aggregate balance |
| Check Collection Item |
$20 plus any additional costs passed onto the credit union |
| Christmas Club Early Withdrawal Fee |
$15 each |
| Compliance with Legal Order (garnishment, levy, etc) |
$40 each |
| Corporate Draft Fee |
$2 each, $10 each for non-member |
| Deposit Item Return Fee |
$25 each |
| Draft Copy |
$2 each |
| Dormant Account Fee (12 months of inactivity, aggregate balances less than $100, no other services being used, and member is between ages 18 and 65) |
$5 per month |
| Duplicate Statement |
$2 each |
| Early Account Closing Fee (w/in first 90 days) |
$10 |
| Excessive Transfer Fee |
$5 per transaction in excess of 6 per month |
| Gift Cards |
$3.95 each |
| IRA Transfer Fee |
$25 each |
| IRA Withdrawal (if before age 59½) |
$10 each |
| Medallion Signature Guarantee |
$10 each |
| Money Orders |
$1 each, $6 ea. for non-member |
| Notary Service- Waived for Members |
$5 per signature |
| Overdraft/ Non-Sufficient Funds Fee |
$28 each |
| Overdraft Privilege Fee |
$28 each |
| Overdraft Privilege Collection Fee |
$15 |
| Photocopy |
$1 per page |
| Rush Debit Card |
$30 per card |
| Service Charge- Premier Money Market |
$25 per month if balance below $50K |
| Service Charge- Standard & Premier Money Market |
$5 per check in excess of 6 per month |
| Service Charge- Standard Checking |
$3 per month |
| Stop Payment Fee for Drafts/ACH |
$20 each |
| Temporary Checks |
$1 per 4 checks |
| Telephone Transfer Fee (excludes RMCU Phone Banking) |
$2 each |
| Travelers Cheques |
$1 per $100 purchased |
| Travelers Cheques for 2 signatures |
$1.50 per $100 purchased |
| Wire Transfer- Outgoing |
$15 Domestic |
| $40 Foreign |
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| Loan Fees |
| Consumer Loan Extension, per extension |
$15 plus all interest owing |
| Consumer Loan Refinance Fee (in house), per occurrence |
$15 plus all interest owing |
| Home Equity Loan Application Fee |
$250 |
| Inspection Fee, if applicable and conducted in house |
$50 |
| Mobile Home Filing Fee –includes title and UCC fees |
$25 each |
| Notification of Automatic Transfer (line of credit loan to cover overdrafts) |
$1 each |
| Subordination of Mortgage, per subordination |
$100 plus recording fee |
| Title Filing Fee |
$12 each |
| Title I Home Improvement Fee |
$235 |
