Account Research & Reconciliation
$25 per hour - $10 minimum

Amortization Schedule
$15

Annual Overdraft Protection
$25

ATM Cards
$5  Set up
$5  Replacement
ATM monthly maintenance
$1.50  Complimentary with Elite Checking

Check Cashing
Free for current customers.
For non customers:

5% or $20 minimum

Coin Counting
5% fee

Collection Items
Sent to First National Bank Mahnomen Twin Valley
$25 each

Counter checks
$1 each

Debit Cards
$10  Set up
$10  Replacement
$5    PIN Resetting
$5    Reactivation
Debit Card monthly maintenance
$1.50  Complimentary with Elite Checking

Deposit Bags - Locked
$25 each

Fax
$1  Per page for Local Calls
$2  Per page for Long Distance

Image Statement on disk
$10  Per month
$40  For one year

Instant Statement
$1 each

IRA Transfer Fee
$25

Letters of Credit
2% or $300 minimum

Levys and Garnishments
$35 each

Money Orders
Bank or Money-Gram
$2 each  Complimentary with Elite Checking

Notary Services
FREE for current customers.
For non customers:

$5 each

Overdraft Fee
(An Overdraft item may be created by check, an in-person withdrawal,
 or other electronic means)
$30 For each Star Free Checking Overdraft and Return item 
$25 For each Senior Gold, NOW or Elite Checking Overdraft and Return item
$150 daily maximum for noncommercial accounts

Continuous Overdraft Fee
(Daily fee for an outstanding overdraft status)
$5 per day
If the account is overdrawn for five (5) consecutive days

Phone Transfers
$2 each  Complimentary with Elite Checking

Photocopies
$0.25 each  Complimentary with Elite Checking

Returned Deposit Item Charge
$5 each

Safe Deposit Boxes
Sizes vary & range from $15 - $40 annually
$180  Box Drilling
$10    Key Replacement

Savings or Checking
$10    Closures
Within six (6) months of the date opened
$5       Dormant Accounts
Per month after 24 inactive months

Stop Payment
$25 each  Complimentary with Elite Checking

Undeliverable Mail
$5 each

Visa Gift Cards
$5 each
Plus the amount you wish to put on the card

Wire Transfers
For current customers:
Free        Incoming
$25 each     Outgoing
For non-customers:
$40 each     Incoming
$50 each     Outgoing

Valid as of 01.June.2009