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Fees

Debit Card and ATM Fees

Fee Type	Amount
Annual Fee	$0.00	Fee Type: Annual Fee Amount: $0.00
ATM Withdrawals - Delta Community Owned machines	$0.00	Fee Type: ATM Withdrawals - Delta Community Owned machines Amount: $0.00
Card Replacement	$0.00/card	Fee Type: Card Replacement Amount: $0.00/card
Foreign Transaction Fee	1% of total	Fee Type: Foreign Transaction Fee Amount: 1% of total
Rush Delivery	$15.00 M-F $30.00 Sat.	Fee Type: Rush Delivery Amount: $15.00 M-F $30.00 Sat.
Additional Card	$0.00/card	Fee Type: Additional Card Amount: $0.00/card

Checking Account

Fee Type	Amount
Monthly Fee	$0.00	Fee Type: Monthly Fee Amount: $0.00
Per Check Charge	$0.00	Fee Type: Per Check Charge Amount: $0.00
Overdraft Transfer from Savings Account	$0.00	Fee Type: Overdraft Transfer from Savings Account Amount: $0.00
Overdraft Transfer from Credit Accounts	$3.00	Fee Type: Overdraft Transfer from Credit Accounts Amount: $3.00
Stop Payment Fee	$25.00	Fee Type: Stop Payment Fee Amount: $25.00
Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected.	$35 per presentment	Fee Type: Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) Amount: $35 per presentment You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected.
Copy of Check (trace # provided)	$5.00 each	Fee Type: Copy of Check (trace # provided) Amount: $5.00 each
Balancing Checking Statement	$25.00/month	Fee Type: Balancing Checking Statement Amount: $25.00/month
Overdraft Excessive Transfer From Share after 6 allowed per month, Regulation D	$20.00 each	Fee Type: Overdraft Excessive Transfer From Share Amount: $20.00 each after 6 allowed per month, Regulation D
Check Printing (per box of 120 checks) per box of 120 checks	fees vary	Fee Type: Check Printing (per box of 120 checks) Amount: fees vary per box of 120 checks
Local Returned Deposited or Cashed Item	$15.00/item	Fee Type: Local Returned Deposited or Cashed Item Amount: $15.00/item
Foreign Returned Deposited or Cashed Item (US and Canadian)	$20.00/item	Fee Type: Foreign Returned Deposited or Cashed Item (US and Canadian) Amount: $20.00/item
Foreign Returned Deposited or Cashed Item (Other Currency)	$40.00/item	Fee Type: Foreign Returned Deposited or Cashed Item (Other Currency) Amount: $40.00/item
Transaction History	$3.00/request	Fee Type: Transaction History Amount: $3.00/request
Account Research	$25.00/hour $.30 per copy	Fee Type: Account Research Amount: $25.00/hour $.30 per copy
Courtesy Pay Fee	$35 per presentment	Fee Type: Courtesy Pay Fee Amount: $35 per presentment
Debit Card/ATM International Service Assessment Visa transactions made in foreign countries (outside the U.S., Puerto Rico or the U.S. Virgin Islands) are posted in U.S. dollars, and are subject to an ISA fee of one percent (1%) of the transaction total. This fee will appear as a separate transaction on your account.		Fee Type: Debit Card/ATM International Service Assessment Visa transactions made in foreign countries (outside the U.S., Puerto Rico or the U.S. Virgin Islands) are posted in U.S. dollars, and are subject to an ISA fee of one percent (1%) of the transaction total. This fee will appear as a separate transaction on your account.

IRA Fees

Fee Type	Amount
Annual Fee	$0.00	Fee Type: Annual Fee Amount: $0.00
Institutional Transfer Out after 1 free yearly	$25.00 each	Fee Type: Institutional Transfer Out Amount: $25.00 each after 1 free yearly

Loan Fees

Fee Type	Amount
Copy of Personal Line of Credit Check	$3.00	Fee Type: Copy of Personal Line of Credit Check Amount: $3.00
Late Payment Fee	$25.00 per month late	Fee Type: Late Payment Fee Amount: $25.00 per month late
NSF for Returned Loan Payment, Personal Line of Credit Check or ACH	$25.00	Fee Type: NSF for Returned Loan Payment, Personal Line of Credit Check or ACH Amount: $25.00
Pay by Phone Loan Payment Transfer	$8.00	Fee Type: Pay by Phone Loan Payment Transfer Amount: $8.00
Stop Payment for Personal Line of Credit Check or ACH	$25.00	Fee Type: Stop Payment for Personal Line of Credit Check or ACH Amount: $25.00

Money Market Account

Fee Type	Amount
Monthly Fee	$0.00	Fee Type: Monthly Fee Amount: $0.00
Per Check Charge	$0.00	Fee Type: Per Check Charge Amount: $0.00
Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected.	$35 per presentment	Fee Type: Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) Amount: $35 per presentment You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected.
Excessive Transfer From Account (after 6 per month)	$20.00 each	Fee Type: Excessive Transfer From Account Amount: $20.00 each (after 6 per month)
Stop Payment	$25.00 each	Fee Type: Stop Payment Amount: $25.00 each
Copy of Check (trace # provided) trace # provided	$5.00 each	Fee Type: Copy of Check (trace # provided) Amount: $5.00 each trace # provided
Balancing Checking Statement	$25.00 month	Fee Type: Balancing Checking Statement Amount: $25.00 month
Check Printing (per box of 40 checks) per box of 40 checks	Pricing Varies	Fee Type: Check Printing (per box of 40 checks) Amount: Pricing Varies per box of 40 checks
Local Returned Deposited or Cashed Item	$15.00/item	Fee Type: Local Returned Deposited or Cashed Item Amount: $15.00/item
Foreign Returned Deposited or Cashed Item (US and Canadian)	$20.00/item	Fee Type: Foreign Returned Deposited or Cashed Item (US and Canadian) Amount: $20.00/item
Foreign Returned Deposited or Cashed Item (Other Currency)	$40.00/item	Fee Type: Foreign Returned Deposited or Cashed Item (Other Currency) Amount: $40.00/item
Transaction History	$3.00/request	Fee Type: Transaction History Amount: $3.00/request
Account Research	$25.00/hour $.30 per copy	Fee Type: Account Research Amount: $25.00/hour $.30 per copy
Excessive Withdrawal Fee (after 10th withdrawal per month)	$20.00	Fee Type: Excessive Withdrawal Fee (after 10th withdrawal per month) Amount: $20.00
Debit Card/ATM International Service Assessment Visa transactions made in foreign countries (outside the U.S., Puerto Rico or the U.S. Virgin Islands) are posted in U.S. dollars, and are subject to an ISA fee of one percent (1%) of the transaction total. This fee will appear as a separate transaction on your account.	1% of foreign transaction total	Fee Type: Debit Card/ATM International Service Assessment Amount: 1% of foreign transaction total Visa transactions made in foreign countries (outside the U.S., Puerto Rico or the U.S. Virgin Islands) are posted in U.S. dollars, and are subject to an ISA fee of one percent (1%) of the transaction total. This fee will appear as a separate transaction on your account.

Money Orders and Official Checks

Fee Type	Amount
Issuance	$5.00	Fee Type: Issuance Amount: $5.00

Online Bill Pay Fees

Fee Type	Amount
Monthly Fee	$0.00	Fee Type: Monthly Fee Amount: $0.00
Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected.	$35 per presentment	Fee Type: Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) Amount: $35 per presentment You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected.
Stop Payment	$25.00	Fee Type: Stop Payment Amount: $25.00
Rush Delivery Fee (ACH)	$9.95	Fee Type: Rush Delivery Fee (ACH) Amount: $9.95

Savings Account

Fee Type	Amount
Monthly Fee	$0.00	Fee Type: Monthly Fee Amount: $0.00
Local Returned Deposited or Cashed Item	$15.00/item	Fee Type: Local Returned Deposited or Cashed Item Amount: $15.00/item
Foreign Returned Deposited or Cashed Item (US and Canadian)	$20.00/item	Fee Type: Foreign Returned Deposited or Cashed Item (US and Canadian) Amount: $20.00/item
Foreign Returned Deposited or Cashed Item (Other Currency)	$40.00/item	Fee Type: Foreign Returned Deposited or Cashed Item (Other Currency) Amount: $40.00/item
Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected.	$35 per presentment	Fee Type: Non-Sufficient Funds (NSF) Fee (includes ACH overdraft) Amount: $35 per presentment You may be charged an NSF fee each time a check or ACH is presented to us, even if it was previously submitted and rejected.
Inactive Account Fee or Low Balance Fee Inactive Account - If the total of your combined account balances (deposit and loan) falls below $60 and you have not made any transactions for six (6) months to any of your accounts (deposit and loan ), we will classify your account as inactive and may impose an inactive fee.	$5.00 per month/$0 for account owners under 18 years of age	Fee Type: Inactive Account Fee or Low Balance Fee Amount: $5.00 per month/$0 for account owners under 18 years of age Inactive Account - If the total of your combined account balances (deposit and loan) falls below $60 and you have not made any transactions for six (6) months to any of your accounts (deposit and loan ), we will classify your account as inactive and may impose an inactive fee.

Visa Platinum Rewards Credit Card and Visa Secured Card

Fee Type	Amount
Annual Fee	$0.00	Fee Type: Annual Fee Amount: $0.00
Copy of Visa Statement	$3.00 each	Fee Type: Copy of Visa Statement Amount: $3.00 each
Cash Advance Fee Does not apply to balance transfers or overdraft protection.	$3.00	Fee Type: Cash Advance Fee Amount: $3.00 Does not apply to balance transfers or overdraft protection.
Stop Payment	$25.00	Fee Type: Stop Payment Amount: $25.00
Late Fee	$25.00	Fee Type: Late Fee Amount: $25.00
Overdraft/NSF Fee for returned payment, convenience check or ACH	$35 per presentment	Fee Type: Overdraft/NSF Fee for returned payment, convenience check or ACH Amount: $35 per presentment
Documentary Fee	$6.00	Fee Type: Documentary Fee Amount: $6.00
Foreign Transaction Fee Visa transactions made in foreign countries (outside the U.S., Puerto Rico or the U.S. Virgin Islands) are posted in U.S. dollars, and are subject to an ISA fee of one percent (1%) of the transaction total. This fee will appear as a separate transaction on your account.	Up to 1% will be assessed.	Fee Type: Foreign Transaction Fee Amount: Up to 1% will be assessed. Visa transactions made in foreign countries (outside the U.S., Puerto Rico or the U.S. Virgin Islands) are posted in U.S. dollars, and are subject to an ISA fee of one percent (1%) of the transaction total. This fee will appear as a separate transaction on your account.

Other Fees

Fee Type	Amount
Copy of Statement	$3.00 each	Fee Type: Copy of Statement Amount: $3.00 each
Direct Deposit	$0.00	Fee Type: Direct Deposit Amount: $0.00
Interactive Voice Response (IVR)	$0.00	Fee Type: Interactive Voice Response (IVR) Amount: $0.00
Domestic Wire Transfer - Outgoing	$20.00	Fee Type: Domestic Wire Transfer - Outgoing Amount: $20.00
International Wire Transfer - Outgoing	$40.00	Fee Type: International Wire Transfer - Outgoing Amount: $40.00
Wire Transfer - Incoming (International and Domestic)	$0.00	Fee Type: Wire Transfer - Incoming (International and Domestic) Amount: $0.00
Fax Outgoing (first 3 pages) Each additional faxed page is $1.00.	$5.00	Fee Type: Fax Outgoing (first 3 pages) Amount: $5.00 Each additional faxed page is $1.00.
Copy of IRS Form	$3.00/form	Fee Type: Copy of IRS Form Amount: $3.00/form
Court Order Processing Fee	$50.00	Fee Type: Court Order Processing Fee Amount: $50.00
Foreign Check Fee	1.5% of final exchange amount, minimum $20	Fee Type: Foreign Check Fee Amount: 1.5% of final exchange amount, minimum $20
Business Account Cash Deposits**	$3.00 per $1000.00	Fee Type: Business Account Cash Deposits** Amount: $3.00 per $1000.00
Business Account Cash Orders***	$3.00 per $1000.00	Fee Type: Business Account Cash Orders*** Amount: $3.00 per $1000.00
Coin Machine Fee	3% fee for daily transactions that exceed $250	Fee Type: Coin Machine Fee Amount: 3% fee for daily transactions that exceed $250
Additional Note Per day rounded down to the nearest $1000.00 in deposits that exceed the first $10,000.00. *Per day rounded down to the nearest $1000.00.		Fee Type: Additional Note Per day rounded down to the nearest $1000.00 in deposits that exceed the first $10,000.00. *Per day rounded down to the nearest $1000.00.