Business Schedule of Service Charges

Business Schedule of Service Charges as of August 15, 20151

Business Savings, Checking
and Money Market Accounts
Service ChargeNotes
Check Copies$6.00 per itemIncludes money orders and Freedom bank
or cashier's check, and bill payer service check
Printed Check OrdersAll business and custom
design styles prices vary
Inactive$7.00 per monthNo activity for 12 months
Business 100 CheckingChecks paid in excess of 25 —
$ .10 per check
Deposit items in excess of 75 —
$ .10 per item
Detailed monthly analysis statement
makes it easy to monitor account activity
Business Dividend CheckingMonthly Maintenance Fee
$5.00 per month
Checks paid in excess
of 25 —
$ .10 per check
Deposit items in excess of 225 —
$ .10 per item
Detailed monthly analysis statement
makes it easy to monitor account activity
Non Profit CheckingChecks paid in excess of 25 —
$ .10 per check
Deposit items in excess of 75 —
$ .10 per item
Tiered earnings credit rate rewards you
for keeping higher balances

Detailed monthly analysis statement
makes it easy to monitor account activity
Remote Deposit Capture Service$30.00 per month
Business Money Market Account$10.00 per monthIf balance falls below $2,500 minimum balance
Returned Checks$35.00 per itemCashed/deposited, loan/credit card
payment, pre-authorized transfers
Returned Checks — Loan Payments$15.00 per itemLoan/credit card payment on second
Non-sufficient Funds$35.00 per itemIncludes checks, ATM withdrawals,
uncollected funds and deposits on hold
Overdraft charge for items covered
by Courtesy Pay
$35.00 per item
Stop Payment$30.00 per orderIncludes cashier's checks, money orders, personal checks
Withdrawal or transfer in excess of
Regulation D
Transaction deniedSavings or Money Market Accounts
ACH/Electronic FundsService ChargeNotes
Outgoing Wire Transfers


Incoming Wire Transfers
$25.00 domestic
$40.00 international

$5.00 each
ATM Debit/Check and
Credit Card Services
Service ChargeNotes
ATM Balance Inquiry at non-Freedom network ATM$1.00 per item1See MoneyPass.com for network of in-network ATMs
ATM Debit/Check Card or Credit Card replacement card$7.00 per itemSpecial RUSH shipping $25.00
ATM/Debit Card Overdraft$35.00 per item
ATM transaction at non-Freedom network ATM$1.50 per item1See MoneyPass.com for network of in-network ATMs
Cash advance with a Freedom
credit card
3% of cash
advance amount
($ .50 min. to $99.00 max)
At branch or ATM
Balance transfer to a Freedom
credit card
3% of balance
transfer amount
($ .50 min. to $99.00 max)
At branch or ATM
Certificate ServicesService ChargeNotes
Early Withdrawal PenaltyA penalty may be imposed for early
withdrawal, which may reduce earnings
Online Banking ServicesService ChargeNotes
Inactive Bill PayIf less than one transaction per
calendar month
Bill Pay Fees
—Online Gift Check
—Online Charitable Donation

Expedited Bill Payment Fees
—Electronic RUSH Payment
—Overnight RUSH Payment Delivery*
—2ndDay RUSH Payment Delivery*

*For payments made via Online Bill Pay
where payee does not accept electronic
payments, thereby requiring paper check delivery

$2.99 per payment
$1.99 per payment

$4.95 per payment
$14.95 per payment
$9.95 per payment
General ServicesService ChargeNotes
Account history printout$6.00 per page
Account reconciliation$25.00 per hourMinimum charge of $25.00
Account research$3.00 per 15 minutes
Account statement copy$6.00 per account, per statement
Automated share transfer service$7.00/dayFirst one free per month
Check drawn on closed account$35.00
Closed membership within 60 days of opening$25.00 per occurence
Copy of transaction voucher,
deposit slip/Visa sales slip
$6.00 per item
Court order copy$50.00 per copy
Counter checks$5.00 per sheet
(4 checks per sheet)
Direct Check $15.00 per check To make payments by due date or to
avoid late fee
Escheat Processing$10.00 for balances
less than $50.00

$20.00 for balances
$50.00 and over
Fax, Photo, Imaged and
Microfilm Copies
$6.00 per page
Financial Institution to Financial Institution Transfer$1.00 per outgoing transferIn Home Banking
Incoming is free
Foreign Check Collection$25.00 per itemCanadian checks only
Freedom bank or cashier's checks
—First check free each month, additional thereafter

$5.00 per item
Garnishment Fee and Court Hold Order$100.00 per occurence
Incorrect or no forwarding address$10.00 per month
Money Orders$5.00 per item
Notary Services$3.00 per item/ Free for members
Paper Statement$5.00 per monthAvoid monthly fee by enrolling in e-Statements
Reopen account closed by Freedom $30.00
Signature Guarantee$10.00 per item
Rolled Coin Purchase$ .10 per roll
Strapped Bills Purchase$ .07 per strap

Disclosures

1Freedom does not have control over fees that may be charged by other financial institutions, third-party service providers or ATM owners.

2 Service charge changes will take effect January 1. Please see Business Service Charges as of 1-1-16. Refer to Business Service Charges as of 2-1-16 for additional clarifications.

All terms are subject to change.