Effective 11/22/10 Fees and charges are accurate as of the date above, but are subject to change.

Share and Draft Accounts	Fee
Returned Draft Charge (NSF)	$29.00
Stop Pay (per request)	$25.00
Stop Pay Block of Checks	$25.00
Photocopy of a Draft (check)	$2.00
Draft/Check Reorders	at cost
Deposited Item Return	$10.00
ACH Overdraft Fee (NSF)	$29.00

Money Market	Fee
Excess Withdrawal Fee (after 3 per month) per transaction	$10.00

STAR ATM	Fee
Withdrawals/Deposits/Transfers (No fee at our own ATM)	$1.00
Overdraft Fee	$29.00
Replacement Card	$5.00

VISA Debit Card	Fee
Withdrawals (at an ATM, other than one owned by CrossRoads)	$1.00
Overdraft Fee	$29.00
Replacement Card	$5.00

Miscellaneous	Description	Fee
Coin Counting	(May refuse if money is excessively dirty)	10%
Cashier Checks	Per check	$3.00
Money Orders	Per money order	$3.00
Traveler's Cheques for 1	Per $100	$1.00
Traveler's Cheques for 2	Per $100	$2.00
Visa Gift Card		$5.00
Visa Gift Card	Replacement Card	$7.00
Visa TravelMoney Card		$10.00
Visa TravelMoney Card	Additional Card	$5.00
Reloads for TravelMoney Card		$5.00
Outgoing Wire	Domestic	$20.00
Outgoing Wire	International	$40.00
Incoming Wire		$10.00
Fax Incoming	Per page	$0.10
Fax Outgoing	First page	$2.00
Fax Outgoing	Per page after first page	$.25
Copies	Per page (first one free)	$0.25
Gift Envelopes	Per envelope (first one free)	$0.25
Checkbook Balancing	Per Hour - Minimum 1 hour	$20.00
Christmas Club Early Withdrawal		$10.00
Tax Levy Request Processing		$20.00