Fees

Southernmost

Federal Credit Union

1004 Kennedy Dr.

Key West, FL 33040

(305) 296-6568

Fax (305) 296-7341

Toll-Free (800) 794-8756

Fee Schedule

Effective as of December 1, 2009

Savings Account Fees
Christmas Club Withdrawl Fee	$10.00 per withdrawal
Vacation Cub Withdrawal Fee	$10.00 per withdrawal

Checking Account Fees
Returned Item Fee	$30.00 per item
Overdraft Protection (Courtesy Pay) Fee	$30.00 per paid item
Check Printing Fee	Prices may vary depending upon style
Share Draft Printing Fee	Prices may vary depending upon style
Checking Account Minimum Balance Fee	$15,00 per month if minimum balance is not maintained
Checking Account NSF Checks Fee	$30.00 per check
Checking Account Stop Payments Fee	$10.00 per check
Checking Account Check Copies Fee	$ 3.50 per check for front side only and $7.00 per check for both sides.

Other Service Fees (applicable to all accounts)
Account Research Fee	$20.00 per hour
Statement Copy Fee	$ 2.00 per copy
Deposited Item Return Fee	$30.00 per item
Items Sent for Collection Fee	$10.00 per item
Wire Transfer (incoming) Fee	$10.00 per transfer
Wire Transfer (outgoing Fee	$15.00 per transfer
Money Order Fee	$ 1.50 per item
Account Closure Fee	$10.00 if closed within six (6) months of opening account
Counter Checks Fee	$ 3.00 if written to someone other than a member
Account Printout Fee	$ 2.00 per account
ACH Debit Return Fee	$30.00 per item

Credit Union Membership
Membership Share	$ 5.00 par value
Membership Fee	$5.00

The fees appearing in this Schedule are accurate and effective for deposit accounts as of the Last Dividend Declaration Date indicated on this Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.