Fee Schedule

Effective August 1, 2010

SAVINGS & 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.
 $10.00
 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 FEES

 Account Closure Within 3 Months of Opening
 $5.00
 Account Reopening
 $5.00
 Dormant Account
Account considered inactive after no activity for 3 years.
 $5.00

GENERAL SERVICES

 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
                                                             
CHECK HOLDING POLICY for Non-Government Checks

    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.