Account Holder Fees & Service Charges

Fee Schedule	Fees & Service Charge Amount
Cashiers’ Check	$3.00
Instant Statement	$2.00
Gift Cards	$4.00 Activation Fee
Debit or ATM Cards	$15.00 Annual Fee    $6.00 Replacement Card
Wire Transfers Incoming Outgoing	$12.00(incoming)      $15.00(outgoing)
Foreign Wires: Incoming Outgoing	$20.00(incoming)      $60.00(outgoing)
Foreign Currency (Order)	$30.00
Ordering Foreign Drafts	$50.00
Foreign Check Collection	$30.00
Early Account Closing	$10.00 if account is closed within three months of opening
Stop Payment Fee	$25.00
Garnishment or Tax Levy	$35.00
IRA Closing & Transfers	$25.00
Online Bill Pay Stop Payment Fee	$25.00
Overdraft and NSF Charges	$26.00 per item with a daily maximum of $104.00. The 3:00pm cut off for deposits to be credited on current business day strictly enforced
Consecutive Overdraft Charges	If your account remains overdrawn for 5 consecutive business days, on the 6th day a $6.00 continuous charge per business day will be assessed until your account is no longer overdrawn.
Overdraft Protection Transfer	$2.50 per transfer from another RFSB deposit account
Ready Reserve Annual Fee	$20.00 The minimum payment is the greater of $15.00 or 5.00% of the unpaid principal plus finance charge.