The following fees may be assessed against your account 

   and the following transaction limitations, if any, apply  

   to your account. 

           Please note changes effective 01-01-2008 

Replace ATM/Debit Card........................................$5.00* 

Check Printing..........................................................Fee depends on style of check* 

Certified Checks......................................................$5.00* 

Cashier’s Checks.....................................................$3.00 

Money Orders.........................................................$2.00 

An account is dormant if for one year you have no  

deposits or withdrawals to the account.  Dormant  

account fee charged each month...............................$2.00 

Garnishments.........................................................$35.00 

Levies....................................................................$25.00 

Overdraft (each overdraft paid)..............................$27.00 

Nonsufficient funds (NSF) – each...........................$27.00 

Nonsufficient funds ( NSF) ATM withdrawal..........$27.00 

Nonsufficient (NSF) ACH......................................$27.00 

        (preauthorized withdrawal) 

Nonsufficient funds (NSF) telephone transfer..........$27.00 

Account activity printout...........................................$1.00* 

Account research...................................................$25.00* per hour 

Account balancing assistance..................................$25.00* per hour 

Stop payments – each............................................$27.00* 

Stop payments – ACH payments............................$27.00* 

Photocopies (after 30 copies).....................................$.10 each 

Collection items......................................................$10.00 

Safe Deposit drilling................................................Actual cost 

Safe Deposit key replacement.................................Actual cost 

Night deposit bags.................................................$15.00 

Domestic wire transfer – outgoing...........................$12.00 

Foreign wire transfer – outgoing..............................$35.00 

Foreign wire transfer – incoming.............................$35.00 

        *service charges are subject to  

          7% Iowa State Sales Tax  

We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.