Fee Schedule

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Effective date: January 1, 2010.

Savings Account Fees
Christmas Club/ Vacation Club Early Withdraw/ Closeout	$7.50

Checking Account Fees
Overdraft / NSF/ Return Item	$40.00 per item
Overdraft Protection	$4.00 per notice
Stop Payment	$20.00 per request
Check Printing	Prices vary depending on style ordered
Copy of Check	$5.00 per copy

Other Service Fees (Applicable to all Accounts)
Account Reconciliation	$50.00 per hour
Account Research	$50.00 per hour
Wire Transfers (Outgoing from UFCW of America FCU)	$20.00 per transfer
Deposited Item Returned	$16.00 per item
Lein/ Levy/ Legal Process	$100.00 per notice
Stop Payment on Withdrawn Check	$20.00 per item
Redeposit item	$16.00 per item
Copy of Withdrawn Check	$5.00 per copy
Copy of Interim Statement	$5.00 per copy
Account History	$1.00 per screen
Remail of W-9 form	$6.00 per item
Money Orders / Cashier's Checks	$3.00 per item
Western Union Money Order	$20.00 per item
Copy of Check that was deposited into your account	$5.00 per copy
IRS Backup Withholding	$100.00 per notice
Dormant Account	$5.00 per month if all of the following apply: * Member number has been dormant for at least twelve months * Combined balances under the member number, including IRAs, is below $50.00 * There is no outstanding loan or credit card under the member number
Locating Fee (for any corresspondence returned for incorrect address	$3.00
Re-open closed account (for any closed shared type that is re-opened within 6 months)	$5.00

Electronic Funds Transfer Fees
Replacement of lost/ stolen ATM/ Visa check card	$7.00 per card
Remail of ATM/ Visa check card PIN	$2.00 per mailer
Audio Response (PAT)	First Six (6) free sessions per month, $0.50 per session thereafter
ATM Withdraw/ POS Transactions	First Six (6) free transactions per month, $1.00 per transaction if combined balances in the Primary Savings and Primary Checking falls below $2,500.00 during the month
Copy of Bill Pay Check/ ACH	$8.00 per item
Search PAM (Virtual Branch) Items	$50.00 per hour
PAM (Virtual Branch) NSF/ Return	$40.00 per item
Overdraft	$40.00 per item
Overdraft Protection	$4.00 per notice
ATM/ Visa Check Card Annual Fee	$16.00 per year

Credit Union Membership
Membership Share	$25.00 par value

Silver Money Market Savings Account Fees
Minimum Balance Fee	$4.00 if the balance falls below $2,500.00 during the month
Withdraws, Transfers Out, and Electronic Withdraws and Checks	First six (6) free per month, $0.50 per transaction thereafter

Silver Money Market Checking Account Fees
Overdraft / NSF / Returned Item	$40.00 per item
Overdraft Protection	$4.00 per notice
Stop Payment	$20.00 per item
Check Printing	1/2 price on standard checks
Copy of Check	$5.00 per copy
Withdraws, Transfers Out, and Electronic Withdraws and Checks	First six (6) free per month, $0.50 per transaction thereafter
Minimum Balance Fee	$4.00 if the balance falls below $2,500.00 during the month

Gold Money Market Savings Account Fees
Minimum Balance Fee	$9.00 if the balance falls below $10,000.00 during the month
Withdraws, Transfers Out, and Electronic Withdraws and Checks	First six (6) free per month, $0.50 per transaction thereafter

Gold Money Market Checking Account Fees
Overdraft / NSF / Returned Item	$40.00 per item
Overdraft Protection	$4.00 per notice
Copy of Check	$5.00 per copy
Withdraws, Transfers Out, and Electronic Withdraws and Checks	First six (6) free per month, $0.50 per transaction thereafter
Minimum Balance Fee	$9.00 if the balance falls below $10,000.00 during the month

IRA Savings / IRA Certificate of Deposit Fees
Pre-59 1/2 Withdraw fee (excluding rollover and direct transfer)	$25.00