Fee Schedule

Regular Checking Account
Average Balance	Activity Charge on Non-Interest Bearing DDA
$0.00 to $249.99	$5.00 per month
$250.00 to $499.99	$3.00 per month
$500.00 and above	No Service Charge
Thrift Checking Account
Service Charge	$1.00 per month
Per Check Fee	$0.20 per check
ETA Account
Service Charge	$3.00 per month
Ultimate Savings Account
Each Additional Withdrawal Over the One Allowed Per Calendar Month	$25.00 per withdrawal
OD (Overdraft) & NSF (Non-Sufficient Funds) Check Charges*
OD/NSF Check Paid	$25.00 per check
OD/NSF Check Returned	$25.00 per check
Checking and Savings Accounts
Inactivity (No External Activity for More Than 365 Days) With Balance Less Than $50.00	$10.00 per month
Dormant (No External Activity for More Than 731 Days) With Balance Less Than $50.00	$25.00 per month
Certificate of Deposit Penalties
Term of 12 Months or Less	6 Months Interest
Term of Greater Than 12 Months	12 Months Interest
Negotiable Instruments
Cashier's Checks	$5.00 per check
Money Orders	$3.00 per check
Travelers Checks for 1 Person	$1.00 per hundred
Travelers Checks for 2 People	$1.50 per hundred
Special Services
Account Research	$25.00 per hour and $0.25 per copy
Checkbook Reconciliation	$15.00 per hour
Medallion Signature Guarantee (Customers Only)	$10.00 per page
Monitor Signature on Account	$10.00 for 60 days
Temporary Checks	$0.25 per check
FAX Copies (Minimum of 2 Sent and Received)	$1.00 per page
Photocopies	$0.25 per page
NOW Account Service Charges Based on Average Balance
$0.00 to $249.99	$5.00 per month
$250.00 to $499.99	$4.00 per month
$500.00 to $749.99	$3.00 per month
$750.00 to $999.99	$2.00 per month
$1,000.00 and above	No Service Charge
Savings Account (Variable Rate) Money Market Account (Variable Rate)
$10.00 Per Item	Exceeding the Allowed Number of Transactions

Federal Law limits the number of transfers in savings and money market accounts. Examples of transfers include, but are not limited to, pre-authorized, automatic and telephone transfers from your accounts to another account or to a third party. Transfers include checks and debit card transactions. Transfers are limited to six per calendar month with no more than three transfers by check, draft, debit card, or similar order to third parties. Transfers for Federal Law limits do not include withdrawals at the teller line or at an automated teller machine.

A Chargeable Transaction includes ACH and Debit Card withdrawals, wire transfers, telephone (Easy Access Line) transfers, internet banking transfers, and checks written.

Small Business Account Minimum Daily Balance
$0.00 to $499.99	$7.00 per month
$500.00 and above	No Service Charge
ATM/Debit Cards
Transactions-Foreign ATM	$1.00 per transaction
Balance Inquiry-Foreign ATM	$0.45 per inquiry
ATM Replacement Card	$5.00 per card
Freedom Check Card Replacement	$5.00 per card
Bank Statement
Original Imaged Statement	Free
Replacement Statement	$5.00
Imaged Check Replacement (Front and Back)	Addl. $5.00 per month
Cancelled Check Copy	$3.00 per copy
Transfer/Inquiries
Auto Transfer ($100 Increments)	$3.00 per transfer
Assisted Telephone Transfers	$5.00 per transfer
Assisted Telephone Inquiries	$2.00 per Inquiry
Miscellaneous Charges
Stop Payment Charge	$25.00 per check
Checks Charged Back to Customer's Account	$5.00 per check
Collection Items	$20.00 Incoming $20.00 Outgoing
Wire Transfers	$10.00 Incoming $20.00 Outgoing $50.00 Foreign
Indemnity Bond for Lost Certificate of Deposit	$20.00 per bond
Rejected Items Due to Checks Purchased From Vendor Not Authorized by the Bank	$1.00 per item
Vendor Check Charges	Varies by Order
Web Banking Services
Personal Accounts:
Review Statements, Transfer Funds between United Bank Accounts and Check Balances On-Line	No Charge
On-Line Bill-Pay Service: Zero to Ten Checks per Statements Cycle	$5.95 per month
Each Additional Check Exceeding the Ten Checks Allowed per Statement Cycle	$1.00 per check
Corporate or Non-Personal Accounts:
Review Statements and Check Balances On-Line	No Charge
Transfer Funds between United Bank Accounts	$1.00 per transfer

* As a personal checking account customer of United Bank of Union, you're entitled to enjoy the benefits of Protect-A-Check overdraft protection. When you maintain a personal account in good standing (making regular deposits and bringing your account to a positive balance at least once every 30 days) United Bank of Union will honor overdrafts up to the pre-assigned account limit. The normal OD/NSF (overdraft/non-sufficient fund) fee will be assessed for each transaction and deducted from your limit. You will be notified by mail for each overdraft. No interest will be charged on the overdraft balance.

An overdraft notice will be sent each time items are paid or returned. Overdrafts that exceed the established Protect-A-Check limit may result in checks being returned to the payee unpaid. The normal fee of $25.00 per item will be assessed to your account and the overdraft notice will notify you of our actions. Make sure you deduct all fees from your checkbook when you receive your notice(s).

Transactions that will be honored by the Protect-A-Check overdraft protection: Checks and other debits cashed at teller windows, Freedom Check Card purchases, ATM card cash withdrawals, ACH debit transactions, Checks issued to a third party, Other transactions currently honored through your account. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.