COMMON FEATURES




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

RETURN TO ACCOUNTS

Check printing (fee depends on style of check ordered)*
Money orders $1.00*
-- Noncustomer $1.00
Cashier's checks $2.00
-- Noncustomer $3.00
Traveler's checks for one person 1% of purchase*
Traveler's checks for two people 2% of purchase*
Checks cashed (noncustomer) 3% of amount
($3.00 minimum)
Deposited checks (and other items) returned unpaid $5.00
Large dollar return item notification $7.00
Dormant account fee $5.00

An account is dormant if for twelve months you have made no deposits or
withdrawals to the account. Only balances of less than $300.00
will be charged a fee. This fee is charged each month. .

ATM/Check Card cash withdrawal (at ATMs we do not own or operate) $1.00
ATM deposits or transfer funds to another account or balance inquiry
(at ATMs we do not own or operate)
$1.00
Garnishments $25.00
Executions and Levies $25.00

Records for courts.........$25.00 per hour, $1.00 per document
Other legal processing fees may be charged at our discretion.

Overdraft (each debit or check paid) $25.00
Nonsufficient funds (NSF) item (each debit or check returned) $25.00
Account activity printout $2.00
Special statement cutoff $5.00
Balance inquiry by telephone $1.00
Account research (1/2 hour minimum) $20.00 per hour
$1.00 per page
Account balancing assistance (1/2 hour minimum). $25.00 per hour
Stop payments (all items including postdated checks) $25.00
Account closed within 180 days of opening. $5.00
Photocopies $.10 per copy*
Facsimiles (fax) per page $1.00*
Automatic funds transfer (initial set up $5.00) (per transfer) $5.00
Incoming wire transfers -- Noncustomers..................1% of amount, $10.00 minimum
   
*These fees are waived for Advantage Club Members (certain limitations apply). 
We may require no 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.

Copyright  © 2007 Farmers Bank

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