Dowagiac Area Federal Credit Union: Disclosures

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Fee Schedule
EFFECTIVE MARCH 1, 2007

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Non-sufficient Funds Fee (NSF) Share draft/ACH/ATM/Debit Card	$20.00
Stop Payment (per item) Share draft/ACH	$20.00
Account Reconciliation Fee	$15.00 per hour
Draft Copy fees per draft	$2.00
Statement Copy per month	$2.00
History Printout per Month	$1.50
Monthly Service Charge
Share Accounts Balance < $200**	$2.00
Share Draft < $200**	$3.50
Full Access Share Draft (with Bill Pay)	$6.00
Business Share Draft plus $.05 per deposited check	$3.50
** excludes members under 18 and members 62 & over
Overdraft Transfer Fees - maximum six transfers per month
1st transfer	FREE
2nd transfer	$2.00
3rd - 6th transfer	$5.00
Wire Transfer Fees
Domestic International	$10.00 $30.00
Incoming Wires	$ 5.00
Returned Item Fee Member deposited item drawn on another institution	$10.00
Check Cashing Fee Average balance <$50, no other active services with DAFCU	$5.00 per transaction
Account Closing Fee Member closes account within 90 days of opening	$20.00
** Phone Inquiry Fee DAFCU staff assisted	$2.00
** Phone Transfer Fee DAFCU staff assisted	$2.00
Mortgage Application Fees
Fixed Home Equity	$250.00
Home Equity Line of Credit	$250.00
Investment Property Fixed Equity	$500.00
Tax Levy/Garnishment Fee	$25.00
Money Orders (free if member has share draft account)	$1.00 each

**excludes members under 18 and 62 & over

Dowagiac Area Federal Credit Union
473 E. Division Street
Dowagiac , Michigan 49047
269.782.2410
Fax: 269.782.9870
dafcu@dafcu.net