Better, Not Bigger Banking®

Services Information Effective: 5/1/2016

Electronic Services Fee Wire Transfer Fee 24-Hour Teller Telephone Banking Free US Incoming Wire Free Online Banking Free International Incoming Wire $10.00 Online Bill Pay, Active Users Free US Outgoing Wire $20.00 Online Bill Pay, Inactive Users $5.00/month International Outgoing Wire $40.00 Mobile Banking Free Click Pay (person to person payments) Free Mobile Deposit Capture Free Account Reconciliation Fee E-Statements Free Check Copy $2.00 E-Alerts/Notifications Free Check Copy, if older than 12 months $5.00 Reconciliation and research $20.00 per hour ATM/Debit Transactions Fee Statement Copy $2.00 Paper Statement - Monthly Free HRCU ATM Free CO-OP® Network ATM Free NH Rite-Aid In-Store ATMs Free Checking Fee All Other ATMs (*additional surcharge $1.50 may be imposed by ATM owner) Checks Varies by style Replacement ATM/ Debit Card $5.00 Emergency Checks 4 for $3.00 Fresh Start Checking $10.00/mo. Maint. Money Orders/Checks Interest Checking $7.50/mo. if balance Fee ($100.00 min. balance required) falls below $100.00 Money Order $3.00 HRCU Free Checking Free Official Check $5.00 Elements Checking Free up to 4 checks Official Check payable to account owner, Free (members 13-17 years old) a month, $.50 cents IRS, or for Real Estate taxes each additional check

General Items Fee General Items Fee Bad Address (after 1st statement returned) $5.00 Overdraft Protection (share transfers) $5.00 Inactive Account (inactive 6 months; $5.00/month Courtesy Pay (per item) $27.00 members under 18 years old exempt) Insufficient Funds (per item) $27.00 Foreign Check Collection $25.00 Returned Deposited Items (per item) $15.00 (+ correspondent fee) Safe Deposit Box Drilling Based on cost Christmas Club Early Withdrawal $5.00 Safe Deposit Box Key Replacement $25.00 Coin Counting 3% of total amount Safe Deposit Box Rental (varies by size) $25.00 - $100.00 Coin Counting - Minors & Non-Profits* Free Signature Guarantee Medallion Stamp $10.00 Early Account Closure $20.00 (within 60 days of opening) Stop Payment $25.00 Levies or Attachments $50.00 Telephone Transfer (Financial Service $3.00 Escheat Processing $100.00 Associate Assisted) Verification of Deposit $5.00 Notary Services - Members Free Notary Services - Non-Members $10.00

* Restrictions apply - see an HRCU representative for details.

603.332.6840 • www.HRCU.org Rochester • Farmington • Dover