Effective February 1, 2011

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

Checking Account Fees
NSF/Overdraft Transfer$32.00
Stop Payment$25.00
Cleared Check Copy$5.00
Check PrintingVaries
2nd Chance Checking Monthly Maintenance Fee$10.00

Share Savings Account Fees
Per Value of One Share$5.00
Membership Fee$5.00
Excessive Withdrawal (5 free per month)$3.00
Christmas Club Early Withdrawal (prior to Nov. 1st)$5.00
Account Closure (if closed within 6 months)$10.00

Electronic Funds Transfer Fees
Debit Card Replacement$20.00
PIN Replacement$10.00
ACH Overdraft/NSF$32.00
NGCU ATM WithdrawalFree
Other ATM Withdrawal (3 free/mo.)$1.00
PCU Online Banking (free with E-Statements)$5.00
Bill Pay Service (free with E-Statements)$5.95

Other Service Fees
Returned/Unpaid Deposit Item(s)$30.00
Items Sent for Collection$20.00
Wire Transfer (Incoming)$5.00
Wire Transfer (Outgoing)$20.00
Statement Copy/Account History$5.00
Account Research (per hour, min. $20)$20.00
Garnishment Processing$50.00
Levy Processing$50.00
Verification of Deposit$10.00
Photocopy/Fax (per page)$1.00
Credit Union Check (3rd party payee)$3.00
Returned Mail Processing (each item)$5.00
Check Cashing Fee (waived with $100 min. share balance or other account relationship)$5.00
Dormant Account (after 12 months of inactivity; maximum $60)$5.00