Fee Schedule

Regular Checking Account
Average Balance	Service 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
ETA Account
Service Charge	$3.00 per month
Ultimate Savings Account
Service Charge for Each Additional Withdrawal Over the One Allowed Per Calendar Month	$25.00 per withdrawal
Overdraft and Insufficient Funds Fee for Checking/Savings Account Charges*(see bottom of page for more information)
Overdraft and Insufficient Funds Fee for  Checks Paid or Returned	You will be charged our insufficient funds fee of $25.00(daily maximum of $200.00) for each overdrawn item that we cover. If the amount of the item that triggered the overdraft is $10.00 or less, a reduced insuficient funds fee of $10.00 will be charged instead of the $25.00. If the total of all overdraft item(s) overdraws the balance $10.00 or less, no insufficient funds fee will be charged for the item(s). Insufficient Fund Fee for Item Returned $25.00 Per Item.
Checking and Savings Accounts
Service Charge for: Inactivity (No External Activity for More Than 365 Days) With Balance Less Than $50.00	$10.00 per month
Service Charge for:    Dormant (No External Activity for More Than 731 Days) With Balance Less Than $50.00	$25.00 per month
Second Chance Account   Service Charge is $7.00 Per Month
Certificate of Deposit Penalties
Early Withdrawal Penalty	The penalty will be an amount equal to seven days' interest on the amount withdrawn if the withdrawal is made within the first six days after the deposit.
Early Withdrawal Penalty	4% of the amount of the principal being withdrawn prior to maturity.
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
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)
Savings Account Service Charge for Transactions Over Monthly Limit of 6. Money Market Service Charge	$10.00 Per Item Exceeding the Allowed Number of Transactions   $10.00 Per Item Exceeding the Allowed Number of Transactions

Federal Law limts the number of transfers in savings and money market accounts to 6 per calandar month.  Transfers for Federal Law Limits do not include withdrawals at the teller line or at the 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.

ATM/Debit Cards
Fee for DDA and Savings withdrawal at Foreign ATM	$1.00 per transaction
Fee for DDA and Savings Inquiry at Foreign ATM	$0.45 per inquiry
ATM Replacement Card	$5.00 per card
Freedom Check Debit Card Replacement	$5.00 per card
Photo Debit Card Replacement                          $10.00 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 Fee	$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
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
Bill Payment Fee for Zero to Ten Checks per Statements Cycle	$5.95 per month
Service Charge for 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	No Charge

* 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. All insufficient funds fees 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. An insufficient funds fee per item will be assessed to your account and the overdraft notice will notify you of our actions. Make sure you deduct all in sufficient funds 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.