Sentinel Federal Credit Union

Below is a list of our current account and service fees. There may be other fees than those shown, and we may amend or change these fees from time to time.

Effective date: November 1, 2007

Share/Savings & Share Draft/Checking Account Fees

Description	Amount
Dormant Account (No activity for 12 months other than paid dividends)	$5.00 per month
Early Account Closure (Account closed within 3 months of opening)	$10.00
Overdraft, each overdraft paid per item (Check, ATM, ACH or Debit)	$35.00
Returned Item, per item	$35.00
Overdraft Protection, per transfer from savings	$2.00
Overdraft Protection, per transfer from line of credit	$2.00
ACH Debit Research, per item	$5.00
Temporary Checks	$0.20
Check Print Charges from supplier, tax & postage	Varies
Photocopy of Original Check (Member can pay for five photocopies, after that considered Research Fee; Free at Sentinel Online Services)	$1.00 each
Research Fee	$20.00 per hour, $10.00 minimum
Reconciliation Fee	$20.00 per hour, $10.00 minimum
Stop Payment Fee, per item	$10.00
Stop Payment Fee, 2 or more checks, lost or stolen	$15.00
Items Presented Against Stop Payment Order, per item	$10.00
Items Presented Against Closed Account, per item	$30.00
Account Closing, upon closing (Closing due to abuse)	$5.00
Inactive Checking Account, per month (Over 18 years of age, less than $200.00 balance and no activity for 3 months)	$5.00

Deposits

Description	Amount
Dishonored Third Party Deposit Item, per time (Check returned from another financial institution)	$7.50
Dishonored Check Written by Member, per item	$35.00
Dishonored Credit Card Checks	$35.00

Loan Fees

Description	Amount
Title Handling Fee, varies per county	Varies
Perfection of Title, depending on State	Varies
Loan Extension Fee (Must be approved by credit grantor, no more than 30 days allowed in any 12-month period) Ag loans not included	$30.00
Loan Refinance Fee (in house) (Only when changing an item on an existing loan such as reducing interest rate or changing collateral)
First Time	$50.00
Additional Times	$100.00

Other Fees

Description	Amount
Wire Transfers: Domestic Outgoing – with instruction	$15.00
Wire Transfers: Foreign Outgoing – with instruction	$40.00
Live Phone Inquiries or Transactions, per call (Requesting information such as balances, deposits, withdrawals, checks cleared or transactions that are obtainable through ART or Sentinel Online Services)	$2.00
Live Phone Payments, per payment (Making payments by debit card or credit card)	$7.50
Check Cashing Fee, per check (No charge if member has a loan balance of $1,000.00 or more or savings balance of $500.00 or more)
Amount under $500.00	$5.00
Amount over $500.00	$1.00 per hundred
Copies of Monthly Statement	$2.00
Print Out of Account History	$2.00
Outgoing Fax (Domestic): First Page	$3.00
Outgoing Fax (Domestic): Each Additional Page	$1.00
Outgoing Fax (International): First Page	$10.00
Outgoing Fax (International): Each Additional Page	$5.00
Incoming Fax, per page	$1.00
Address Correction (Per notice from Post Office)	$2.00
Return Mail Fee	$5.00
Money Orders, per item	$1.00
Travelers Checks, per $100	$1.00
Travelers Checks for Two, per $100	$1.00
Cashiers Check, per item (No fee if payable to member only; Free to Golden Age Members)	$2.00
Collection Item: Incoming	$15.00
Collection Item: Outgoing	$35.00
Compliance with Legal Order/Levy, each (Includes garnishments)	$25.00
Photocopy, per page	$1.00
Foreign Item Conversion Fee	Varies

ATM Fees

Description	Amount
Overdraft by ATM Withdrawal, per overdraft	$35.00
Foreign ATM (ATM not owned by Sentinel Federal)
Withdrawals/Transfers, per item	$1.25
Account Balance Inquiry, per inquiry	$.50
Plastic Card Replacement	$10.00

Safe Deposit Box Annual Fees

Description	Haines Branch	Triple Crown Branch	Winner Branch
3x5	$15.00	N/A	$10.00
3x10	$30.00	$30.00	$15.00
5x10	$40.00	$40.00	$22.00
10x10	N/A	N/A	$30.00