Checking and Overdraft Protection Fees

Checking Accounts
    e-Checking
       Monthly service fee$5.00; Fee is waived with direct deposit or
20 or more Visa Check Card transactions in a statement period
    Flagship Checking   
       Monthly service fee $10.00 if the average
daily balance is less
than $1500.00 during
the statement period
    Checking Line of Credit
       Returned loan payment fee$29.00
       Check returned (due to non-sufficient funds)$29.00
       Payment of a check which exceeds the approved
       credit limit
$10.00
Optional Overdraft Protection Service
Transaction fee$20.00