Savings, Checking and Money Market Accounts

Service Charge

Notes

Check Cashing (Members over age 18 years of age with only a regular share savings account with less than $100 balance and no other Freedom accounts

$ 2.00 per check item

Check copies (Includes money orders and Freedom bank or cashier's check)

$ 6.00 per item

Printed Check Orders

Free unlimited basic or IronBirds style with Youth, Premium and Loyalty Rewards.

One Free order every 12 months of basic or IronBirds style with Classic, thereafter at cost (about $8.00).

All other custom design styles prices vary.

Inactive (No activity for 12 months - waived for members under 18 years of age)

$ 5.00 per month

Loyalty Rewards Checking

Average monthly minimum balance falls below $2,500

$ 5.00 per month

Money Market and Money Market IRA Accounts

Minimum balance falls below $2,500 minimum

$10.00 per month

Non-Sufficient Funds (Includes checks, ATM withdrawals, uncollected funds and deposits on hold)

$30.00 per item

Non-Sufficient Funds- payable to Freedom

$20.00 per item

Overdraft charge for items covered by Member Privilege

$30.00 per item

Premium Checking

Average monthly aggregate minimum savings and loan balance falls below $15,000

$ 5.00 per month

Mortgages and credit cards not included in aggregate

Returned Cashed and/or Deposited Items

$10.00 per item

Stop Payment (includes cashier's checks)

$15.00 per item

Free with Loyalty Rewards, and Premium Checking

Withdrawal or transfer in excess of Regulation D

Transaction denied

Savings or Money Market

ACH/Electronic Funds

Service Charge

Notes

Return ACH (includes uncollected funds and deposits on hold)

$30.00 per item

- Outgoing Wire Transfers

- Western Union

- $15.00/domestic;

- $35.00/international
- Prices vary with amount

ATM/Debit and Credit Card Services

Service Charge

Notes

ATM balance inquiry at non-Freedom network ATM

(Network includes M&T Bank, select Wawa, Rutter's and Baltimore area Credit Unions. See website for list)

$ 0.50 per item

Three (3) Free per month balance inquiries or other transactions with Loyalty Rewards Checking

ATM Debit/Check Card or Credit Card replacement card

$ 6.00 per item

Special RUSH shipping - $15.00

ATM/Debit Card Overdraft

$30.00 per item

ATM empty envelope deposit

$30.00 per item

ATM transaction at non-Freedom network ATM

$ 1.50 per item

Three (3) Free per month balance inquiries or other transactions with Loyalty Rewards Checking

Cash advance with a credit card or check/debit card

$ 2.00 per item

At branch or ATM

Credit Card Overlimit (when limit is exceeded by 5%)

$15.00 per occurrence

Inactive Account -Credit Card (no activity for 12 months)

$25.00 annually

Point of sale (POS) transactions using Personal Identification Number (PIN)

$ 0.15 per item

Free when use credit or signature transaction. Earns BONUS with Loyalty Rewards Checking

Certificate Services

Service Charge

Notes

Early Withdrawal Penalty
- 12 Months or less
- Over 12 Months

- 90 Days Interest
- 120 Days Interest

General Services

Service Charge

Notes

Account history printout

$ 1.00 per page

Account reconciliation (minimum charge $12)

$12.00 per hour

Account research

$ 3.00 per 15 minutes

Account Statement copy

$ 2.00 per page

Check drawn on closed account

$30.00

Closed Membership Account within 60 Days of opening

$25.00 per occurrence

Copy of transaction voucher, deposit slip/Visa sales slip

$ 2.00 per item

Court Order Copy

$40.00 per copy

Escheat Processing

- $10.00 for balances under $50
- $20.00 for balances of $50 and over

Fax, Photo, Imaged and Microfilm Copies

$ 2.00 per page

Freedom bank or cashier's checks

- First check free each month, additional thereafter

$ 3.00 per item

Free with Loyalty Rewards, and Premium Checking

Garnishment Fee and Court Hold Order

$50.00 per occurrence

Incorrect or No Forwarding Address

$10.00 per returned item

Money Orders

$ 1.00 per item

Free with Loyalty Rewards, and Premium Checking

Reopen account closed by Freedom for adverse usage

$20.00

Travelers Checks

$ 1.00 per $100

Free with Loyalty Rewards, and Premium Checking

Travelers Checks for Two

$ 1.50 per $100

Free with Loyalty Rewards, and Premium Checking