| Effective Date February 1, 2016 | |
| ACH Fees | |
| Returned Item Fee (Unpaid) | $23.00 |
| OTIS Overdraft Privilege (Paid) | $20.00 |
| Stop Payment | $15.00 |
| Share Fees | |
| ATM Withdrawals at OTIS-Owned ATMs | NO CHARGE |
| ATM Withdrawals All Other ATMs | $ .75 |
| Share Draft Fees | |
| OTIS Debit and/or Credit Card Replacement Fee | $10.00 |
| Counter Share Drafts – 4 Drafts Per Page | $1.00 |
| Returned Item Fee (Unpaid) | $23.00 |
| OTIS Overdraft Privilege (Paid) | $20.00 |
| Share Draft Printing | Price Varies on Style |
| Stop Payment | $15.00 |
| Share Draft Clearing Inquires | $1.00 |
| Share Draft Copies | $2.00 |
| HSA Fees | |
| These fees shall be deducted from other accounts in which the health savings account owner has an interest. | |
| Counter Share Drafts – 4 Drafts Per Page | $1.00 |
| HSA Debit Card Replacement Fee | $10.00 |
| Returned Item Fee (Unpaid) | $23.00 |
| Share Draft Printing | Price Varies on Style |
| Stop Payment | $15.00 |
| Share Draft Clearing, ATM & POS Inquires | $1.00 |
| Share Draft Copies | $2.00 |
| In House Bill Payer Fees | |
| Initial Set Up | NO CHARGE |
| Per Check Issued | $2.00 |
| Overdrawn Fee(Unpaid) | $23.00 |
| Modifications to Existing Bill payer | $5.00 |
| Online Bill Payment | |
| Unlimited payments | NO CHARGE |
| Returned Item Fee (Unpaid) | $23.00 |
| OTIS Overdraft Privilege (Paid) | $20.00 |
| Miscellaneous Fees | |
| Account Research/Reconciliation (min. 1-HR) | $20.00 Per Hour |
| C.U. Checks | 3 FREE Per Day $1.25 |
| C.U. Check or Money Order Copies | $4.00 |
| C.U. Money Order Stop Payment | $15.00 |
| Faxes | |
| Outgoing in U.S. First Page | $2.00 |
| Incoming/Outgoing Additional Pages | $ .50 |
| Foreign Check Collection | $20.00 |
| Money Orders | $ .75 |
| Photocopies | $ .25 |
| Safe Deposit Box | $20.00 – $75.00 Per Year |
| Statement or History Copies | $1.00 Per Page |
| Wires Incoming | NO CHARGE |
| Wires Outgoing | |
| United States | $9.00 |
| International | $30.00 |
| ME, NH, VT-CU’s | $4.00 |
