Account Fees | No Hidden Fees

Savings Account Fees
Below Minimum Balance	FREE

Checking Account / Check Card Fees
Below Minimum Balance	FREE
Visa Check Card	FREE
Overdraft Transfer ($100.00 increments)	$3.00
Statements	FREE
Overdraft Privilege	$32.00 per debit or check paid
Debit Card Overdraft Privilege	$32.00 per debit
Non-Sufficient Funds (NSF)	$32.00 per debit or check paid
Continuous Day Overdraft (after 6 days)	$25.00
Stop Payment (all items)	$32.00 per item
Check Copies	$4.00 per item
Photocopy of a Deposited Check	$5.00 per item
Returned Deposit Item	$32.00 per item
Check Orders	Prices vary depending upon styles
Expedited Debit Card or PIN Mailer	$15.00
Account Research/Reconciliation Assistance	$20.00 per hour
ATM Withdrawals at Andigo-Owned Machines	FREE
Non-Andigo ATM Withdrawals	FREE *note: a fee from the ATM owner may apply
Non-Andigo ATM Balance Inquiry/Transfer	$1.00 per transaction
Visa Check Card Foreign Transaction	1.00% of each transaction in U.S. dollars

Money Market Account Fees
Check Orders	FREE
Below $2,500 Minimum Balance	$10.00 each month
Excess Withdrawals (On all money market accounts, every month you may make up to six preauthorized, automatic, telephonic, audio response, internet transfers to another of your accounts or to the account of any other person/organization, withdrawals by check made directly to you, in-person withdrawals, withdrawals made by mail or withdrawals made by ATM.)	$10.00 per withdrawal after the first 6
Stop Payment	$32.00 per item

Loan Fees
Mortgage Credit Report	$28.80 (paid at closing)
Mortgage Appraisal Deposit for Conventional Loans	$300.00 (credited at closing, nonrefundable otherwise)
Mortgage Origination	$495.00 (paid at closing)
Mortgage Processing Fee for Conventional Loans	$185.00 (paid at closing)
Mortgage Underwriting	$300.00 (paid at closing)
Mortgage Document Preparation	$70.00 (paid at closing)
Mortgage Rate Lock Change	.50% of the loan amount
Mortgage Late Payment	5% of payment
Mortgage Modification	$500.00
Mortgage Re-Amortization Fee	$150.00
Home Equity Loan Closing Costs	Waived (see full disclosure)
Home Equity Line of Credit Closing Costs	Waived (see full disclosure)
Home Equity Line of Credit Annual Fee	FREE
Home Equity Line of Credit Check Orders	FREE
Home Equity Loan or Line of Credit Early Closure	Actual closing costs initially waived at closing (if closed within 1 year)
Home Equity Line Subordination	$100.00
Visa Platinum Annual Fee	FREE
Visa Platinum Foreign Transaction	2.00% of each transaction in U.S. dollars
Visa Platinum Cash Advance	3.00% of transaction amount ($5.00 minimum)
Visa Platinum Expedited Payment	$5.00
Visa Platinum Late Payment	$20.00
Special Delivery of Visa Platinum Credit Card	$15.00
Loan Application (other than mortgage)	FREE
One-Time Expedited Loan Payment (from another institution)	$5.00
Loan Late Payment (other than mortgage)	$20.00
Early Loan Repayment (other than Home Equity)	FREE
Vehicle Title Transfer (for refinance)	FREE

Business Service Fees
All-In-One Checking: Monthly Maintenance Fee
Balances less than $5,000	$10.00
Balances $5,000 to $9,999	$5.00
Balances of $10,000 or more	FREE
All-In-One Checking: Monthly Transaction Fee
0 - 100 transactions	FREE
101 - 250 transactions	$0.25
251+ transactions	$0.15

Online Banking Fees
External Transfers — Transfer In or Out (2 to 3 business days)	FREE
Online Banking and Bill Payment	FREE
Online BillPay Overnight Paper Payment	$20.00
Online BillPay Same-Day Bill Payment	$9.95
Person to Person Payment (Popmoney^®)	$0.75
Online Check Copies	FREE
Quicken Downloads	FREE
Microsoft Money Downloads	FREE
eStatements	FREE
eNotifications	FREE

Other Service (All Accounts)
Notary Service	FREE
Signature Guarantee	FREE
Cashier's Check	$5.00
Money Order Express Advantage Members	$3.00 $1.00
Visa Gift Card	$3.00
Domestic Wire Transfer — Outgoing	$25.00
Domestic Wire Transfer — Incoming	FREE
International Wire Transfer — Outgoing	$45.00
International Wire Transfer — Incoming	FREE
Statement Copy	$5.00 each
Bad Address	$5.00 per month
Federal Express Items	$15.00
Collection Item (incoming)	$20.00
Garnishments/Citations	$50.00

Credit Union Membership Fees
Inactive Membership (Inactivity is defined as no activity after 12 months, less than $500 in a regular savings account and no other Andigo accounts)	$10.00 per quarter