Dowagiac Area Federal Credit Union: Disclosures

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Fee Schedule
EFFECTIVE April 1, 2010

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 Per hour charge	$15.00
Draft Copy fees - Per draft	$2.00
Statement Copy - Per month	$2.00
Monthly Service Charge
Share Accounts Balances < $200**	$2.00
Share Draft < $200**	$3.50
Business Share Draft *plus $.05 per deposited check	$3.50
** excludes members under 18 and members 62 & over
Overdraft Transfer Fees
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 services with DAFCU Non-member cashing M/O or Corp Draft	$5.00 per transaction
Account Closing Fee Member closes account Within 90 days of opening	$20.00
** Phone Inquiry/Transfer Fee If member calls DAFCU staff	$2.00
Mortgage Application Fees
Fixed Home Equity	$100.00
Home Equity Line of Credit	$100.00
Investment Property Fixed Equity	$500.00
Tax Levy/Garnishment Fee	$25.00
Money Orders	$1.00

**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