Effective August 1, 2010SAVINGS & CHECKING
| Minimum Initial Deposit - Savings||$25.00|
| Minimum Initial Deposit - Checking|| $25.00|
| Minimum Initial Deposit - Business Checking|| $100.00|
| Minimum Initial Deposit - Consumer Loan|| $100.00|
| Incoming Wire Transfer|
Must accompany fax and/or phone notification.
| Overdraft Transfer|| $5.00|
| Non-Sufficient Funds|| $20.00|
| Returned Deposit or Loan Payment|| $20.00 per item|
| Stop Payment|
Lost/Stolen Official Check, Checks/ACH Payments.
| $25.00 per item|
| Stop Payment Cancellation|| $25.00|
| Account Closure Within 3 Months of Opening|| $5.00|
| Account Reopening|| $5.00|
| Dormant Account|
Account considered inactive after no activity for 3 years.
CHECK HOLDING POLICY for Non-Government Checks
| Account Statement Printout|| $1.00 per copy|
| Photocopy|| $1.00 per copy|
| Fax Service|| $2.00 per page|
| Change of Address Without notice|| $5.00|
| Account Research|| $20.00 per hour|
San Francisco checks held for 10 business days.
California checks (outside of San Francisco) held for 17 business days.
Out-of-State checks held for 24 business days.