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

Replace lost ATM card	$ 5.00
ATM withdrawal, per withdrawal, at ATMs we do not own or operate	$ 1.00
Check printing	(fee depends on style ordered)
Bad address (one-time charge)	$ 2.00
Monthly per item check clearing fee	$ 0.15/each check over 30 checks
Cashier's/Certified Check	$ 2.50
Money order	$ 2.50
Domestic traveler's checks	$ 1.00 per $100
Domestic traveler's checks for two	$ 1.50 per $100
Foreign traveler's checks	$ 1.00 per $100
Dormant account	$ 5.00 per quarter
An account is considered dormant if for one year no withdrawals or deposits, other than credited dividends, have been made to the account and we have received no communication from you about the account. This fee will not be charged if you have another active account or loan under the same number, you are 18 years of age or under, or your balance is $100.00 or more.
Levies/Garnishments	$25.00
Non sufficient funds items (each)	$20.00
Courtesy Pay (each)	$20.00
Fee applies when overdraft is created by check, in-person, ATM withdrawal, or other electronic means.
Return deposit	$ 5.00
Account activity printout	$ 1.00
Account research, per hour	$15.00
Account balancing assistance, per hour	$20.00
Stop payments (all items)	$20.00
Domestic wire transfer
Incoming	$ 2.00
Outgoing	$15.00
Foreign wire transfer
Incoming	$ 2.00
Outgoing	$50.00 plus exchange bank fees
Western Union wire	$15.00
Account closed within three months of opening	$ 5.00
Copy of statement	$ 3.00
Copy of draft	$ 3.00
Collection item (incoming)	$10.00
Collection item (outgoing)	$10.00
Mail withdrawal	$ 2.50
Bank transfer by check	$ 2.50
Check cashing	$ 5.00
This fee will not be charged if you have an aggregate balance within all deposit accounts of $100.00 or more, or if you have a loan or credit card with DNCU.
International draft	$15.00
Safety Deposit boxes
3 x 5 in. (annual rental)	$12.00
3 x 10 in. (annual rental)	$24.00
5 x 10 in. (annual rental)	$36.00
10 x 10 in. (annual rental)	$72.00
Key deposit (refundable)	$12.00
Lost key	cost incurred
Drill open deposit box	cost incurred
Effective 11/01/00
Electronic Fund Transfers-Your Rights and Responsibilities: Preauthorized Payments: We will charge you $20.00 for each stop-payment order you request. Truth-in-Savings Disclosure: Primary Share Account: Minimum balance requirements-You must maintain a minimum daily balance of $5.00 in your account each day to obtain the disclosed annual percentage yield. Par value of a share-The par value of a share in this account is $5.00.