Schedule of Fees

Share Accounts
Ownership Share Minimum Balance	$100 to avoid $1/mo service charge
Ownership Share Withdrawals	$2/withdrawal with no other accounts; $2/withdrawal after 2 per month with other accounts or loans
Kid' Cash Club	no minimum balance; no service charge
Student Savings	no minimum balance; no service charge
Exceeding Reg D limits	$23/transfer after 6 per month

Checking Accounts	Minimum Balance	Monthly Service Charge
Direct Deposit Checking	none	none
Student Checking	none	none
Plus Checking	$700 to avoid	$6.50/month
Value Checking	none	$3.50/month
Premier Checking	none	none
Second Chance Checking	none	$9.95/month ($8.95 with free e-statements)
Money Market	$200 to avoid	$3.50/month

Other Checking Fees (includes Money Market)
Money Market excessive withdrawal	$23/withdrawal after 3 third-party payments or 6 withdrawals per month
Check printing	Cost varies depending on design
Draft Copy	2 free per month, $2/copy thereafter
Nonsufficient funds	$23/item (check or ACH)
Temporary checks—8	$2/order
Overdraft transfer from deposit accounts	$2/transfer
Horizon or HELOC over-the-limit	$23/item

ATM or Visa check card		no charge
Replacement or mini card		$6/card
Share savings withdrawals at ATM		$1.50/withdrawal
Checking account withdrawals at ATM		$1.50/each after 4 per month; no charge at Energy One ATMs
Balance inquiry at Energy One ATM		$0.50/inquiry
Balance inquiry at other ATM		$1.00/inquiry
Check card transaction		no charge
Withdrawal at international ATM		1.5% ISA (currency conversion) fee posted weekly
International check card transaction		1.5% ISA (currency conversion) fee posted weekly
NSF ATM withdrawal or check card transaction		$23/withdrawal or transaction

IRA Accounts
IRA Annual Fee	$10/plan for balances under $10,000
IRA Closure Fee	$25/closure for each plan
Manual billing fee	$20/year for each plan

TeleBank

Free of Charge

Online Bank	Free of Charge
Draft images	2 free per month, $.50/copy thereafter
E-Statements	Free of Charge (last three statements)
Archived e-statements	$2/statement accessed

Bill Payment	Free of monthly service charge
Non-use fee	$5.95/month after 60 days of non-use
NSF withdrawal	$23/item

Other Service Fees
Account closure	$25/closure if open less than 6 months
Stop Payment	$23/request ($10 to renew after 6 months)
Money order stop payment	$23/request
Insufficient ACH transaction	$20/item originated by Energy One
Account inquiry	$2/inquiry or history print-out
Research/reconcilement	$12/hour
Incoming collection item	$15/item for 10 days
Outgoing collection item	$15/item
Foreign collection item	fee varies
Returned item written by member	$20/item
Returned item written by third party	$10/item
Statement copy	$5
Telephone funds transfer	$2/transfer
Check cashing	$10/check, restrictions apply
Credit union check	$5/check when issued to non-member
Credit union check cashing	$5/check for non-member
Deposit/mortgage verification	$10/transaction
Garnishment, DHS or IRS levy	$25/transaction
Fax machine use	$2/page
Money order ($1000 max.)	$1/money order
Returned mail	$10/returned statement
Travelers Cheques (individual)	$1/$100
Travelers Cheques For Two	$1.50/$100
Gift Cheques	$2.50/check
Gift Cards	$3.50/card
Wire transfer—incoming	no charge
Wire transfer—domestic	$10/outgoing wire
Wire transfer—international	$35/outgoing wire