United 1st Federal Credit Union

Effective November 15, 2007

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

CREDIT UNION MEMBERSHIP

Membership Fee	$0
Membership Share	$5

SHARE/SAVINGS ACCOUNT FEES

Share Savings Account Excessive Withdrawal Fee (over four (4) per quarter)	$5
Club Accounts (Christmas, Back-to-School, Vacation) Early Withdrawal Fee	$10

SHARE DRAFT/CHECKING ACCOUNT FEES

NSF FEE	$30/occurence
Stop Payment Fee	$20/request
Share Draft/Checking Overdraft Transfer Fee	$5/occurrence
Check Cashing	$8/check
Check cashing fees will apply to members over the age of 18 who do not participate in other credit union services such as: share certificates; loans; have a minimum of $100 in Share Savings or have payroll deduction/direct deposit of at least $100 per month

SAFE DEPOSIT BOX FEES

Annual Rental:
3 x 5	$15
5 x 5	$20
3 x 10	$25
5 x 10	$35
10 x 10	$60
Change of lock fee	$50
Drilling box fee/lost key	actual locksmith charges
Prestige members receive a 20% discount from the above prices. Wal-Mart & Folkston Member Service Centers do not offer Safe Deposit Boxes.

OTHER SERVICE FEES

Account Reconciliation Fee	$15/hour
Account Research Fee	$15/hour
Statement Copy Fee	$3 per statement. FREE using CU Online
History Printout Fee	$2/account suffix
Return Item Fee	$15/item
Wire Transfer	$20/transfer
Certified Check Fee	$5/check
Official Credit Union Check Fee	$2 w/o checking acct., $1 with checking acct.
Money Order Fee	$1 cents/money order
Travelers Check Fee	50 cents/$100
Legal Process Fee	actual charges incurred
Inactive Account Fee	$5 per month, after 1 year & acct. bal. under $50 (max. $60 per year)
Bad Address Fee	$5 per month
ATM Surcharge for non United 1^st FCU cards	$1.50
ATM Pin Replacement Charge	$10
ATM Card Replacement Charge	$10
ATM Fee for United 1^st FCU Member at Non United 1st ATM	.50 cents each use after 5th time per month