| Checking Accounts and Other Fees |
| Effective Date: November 15, 2008 |
| Items | Fees & Charges |
| Power Checking (no minimum balance or monthly fee) |
FREE |
| No dividends paid. |
| Point of sale transaction fee (per transaction) |
FREE |
| Advantage Checking (FREE with $2,500 in combined deposits or FREE with Direct Deposit) |
$7.00 |
| Dividends paid quarterly on average daily checking account balance |
| APEX Checking |
$7.00 |
| Dividends paid quarterly on average daily checking account balance |
| MyStart Teen Checking (no minimum balance or monthly fee) |
FREE |
| Must be ages 13-17 with parent or guardian as co-signer. No dividends paid. |
| OTHER FEES: |
| Mobile Banking |
FREE |
| Online Banking and Bill Pay |
FREE |
| Overdraft protection (automatic transfer of funds from Savings, limit 6 per month) |
$6.00 |
| Check reorder (WPCCU Design) |
Varies |
| Courtesy pay, per item (max of 10 per day) |
$25.00 |
| Check encoding errors (from non-standard providers per check) |
$6.00 |
| Holiday Savings Club early withdrawal fee |
$10.00 |
| Photocopy of Cleared Checks in Excess of 2 per Calendar Month, per photocopy |
$6.00 |
| Return item charge (per item) |
$25.00 |
| Special Purpose Savings Account early withdrawal fee, per withdrawal (in excess of 1 per quarter) |
$10.00 |
| Stop payment (per check or block of checks) |
$25.00 |
| Stop payment (per Bank by Phone or Online Banking per item) |
$6.00 |
| Temporary checks (per item) |
$2.00 |
| U¢hange Machine Fee (non-members only) |
5% of transaction |
