CONSUMER
Share Accounts
 Backup Withholding  (per dividend period) $6.00
 Excess Withdrawal/Transfer from Regular Shares (after 3 per month)1 $3.00
 Excess Share Account Withdrawals (over 6 per month)2 $15.00
 Non-Sufficient Funds (each item) $32.00
Checking Accounts
 Non-Sufficient Funds (each item) $32.00
 Overdraft Privilege (each item resulting in a negative account balance of $10 or less) $15.00
 Overdraft Privilege (each item resulting in a negative account balance greater than $10) $32.00
 Overdraft Protection (Transfer) from Share Account
 (Overdraft transfers in increments of $100)
$8.00/transfer
 Premium Rewards Checking (without qualifying balance/product)3 $12.00/month
 Reliance Checking $12.00/month
 Rewards Checking (without qualifying balance/product)4 $5.00/month
 Rewards Plus Checking  (without qualifying balance/product)5  $16.00/month
 Essential Checking None
 Stop Payment $25.00
Cancellation of Stop Payment $10.00
Loans
 Non-Sufficient Funds (Line of Credit, Home Equity Line, or Visa check) $32.00
 Subordination (Real Estate) $250.00
 Line of Credit Annual Fee $25.00
 Loan Modification $30.00
 Visa Late-Payment Fee $27.00
 Conversion (Fixed Rate to Variable or Vice Versa) 2% of loan balance or $200, whichever’s greater
 Overdraft Transfer from LOC $8.00/transfer
 Overdraft Transfer from VISA $8.00/transfer
 Skip-A-Pay $30.00
 Classic Visa, Annual Fee $25.00
Debit / ATM Cards
 Debit or Credit Card Research $25.00
 Foreign ATM Withdrawals (each) $1.75
 Foreign ATM Inquiries $0.50
 Plastic Card Replacement Fee $10.00
 Visa Multi-Currency International Transaction (ISA) Actual Cost Currently 1%
 Visa Single-Currency International Transaction (ISA) Actual Cost Currently 0.8%
Other Fees
 Account Conversion/Closing6 $25.00
 Live Person Pay by Phone Loan Payment $15.00
 Automated Pay by Phone Loan Payment $5.00
 Express Mail $33.00
 Posting Reject $5.50
 Coin Processing 3% of Coin Value
 Copy of Account Statement $3.00
 Copy of Deposited Item $3.00
 Copy of Official Check $3.00
 Deed of Release Recording $20.00
 Dormant Account (unclaimed property) $60.00
 Inactive Account (except minors) — after 12 months of inactivity $6.00/month
 Locator Service $10.00
 ATM Non-Member Surcharge $4.00
 Official Checks $5.00
 Research (1-hour minimum) $20.00/hour
 Returned Item Fee (i.e., Deposited Item / Returned Electronic Payment) $32.00
 Returned Mail $5.00
 Third-Party Check Acceptance (per check) $7.00
 Legal Processing Fee $50.00
 Vehicle Title Processing Fee $40.00
 Paper Statements7 $2.00/month
 Non-Member Check Cashing $7.00
 Verification of Deposit Request (Consumer & Business) $13.00
Wire Transfers
 Wire Transfer8 $20.00
 Same-day ACH $15.00
 International Wire Transfer8 $100.00
 International Wire Tracers, Amendments, or Reversal Requests $100.00
Wire Transfer (Domestic Inbound)8 $7.00
Wire Transfer (International Inbound)8 $11.00
Safe Deposit Boxes
 Lost Key Fee $20.00
 Delinquency Fee $15.00
 Collection Expense $20.00
 Lock Replacement and Drilling Costs $150.00
BUSINESS
Business Regular Share Accounts
Backup Withholding  (per dividend period) $6.00
Excess Withdrawal / Transfer from Business Regular Shares1 $3.00
Non-sufficient Funds (per item) $32.00
Business Premium Share / High Yield Money Market Accounts
Backup Withholding (per dividend period) $6.00
Excess Withdrawal / Transfer from Share (after 6 per month)1 $15.00
Excess Share Account Withdrawals Checks (over 6 per month)9 $15.00
Non-sufficient funds (per item) $32.00
Business Checking Accounts
Standard Business Checking (Discontinued) $5.00 / month
–  Excess Transaction Fee (over 100) $0.10 / each
Community Business Checking $5.00 / month
–  Excess Transaction Fee (over 150) $0.10 / each
Select Business Checking $10.00 / month
–  Excess Transaction Fee (over 300) $0.10 / each
Premier Business Checking $20.00 / month
–  Excess Transaction Fee (over 500) $0.10 / each
–  Additional 200 transactions (for Premier Business Checking only) $10.00
Business Deposit Corrections $2.00 / per correction
Non-sufficient Funds $32.00 / per item
Overdraft Transfer from Business Regular Shares or Business Line of Credit
(Overdraft transfers in increments of $100)
$8.00
Stop Payment $25.00
Cancellation of Stop Payment $10.00
Business ATM Card Fees
Foreign ATM Withdrawals $1.75 / each
Foreign ATM Inquiries  $0.50 / each10
Business Visa Credit Card Fees
Cash Advance Fee 3% of amount
Over Credit Limit Fee $25.00
Late Payment $30.00
Return Payment $30.00
Card Replacement $15.00
Card Replacement – Rush $40.00
Document Copy $1.50 / copy
Other Business Fees
Account Conversion / Closing $25.006
Cash & Coin Orders $1.20 / $1,000
Check by Phone Loan Payment $15.00
Coin Processing 3% of Coin Value
Copy of Account Statement $3.00
Copy of Deposited Item $3.00
Copy of Official Check $3.00
Paper Statement (All Accounts)11 $2.00/month
Verification of Deposit Request $13.00
Dormant Account (unclaimed property) $25.00
Inactive Account (after 12 months inactive) $8.50 / month
Legal Processing Fee $50.00
Locator Service $10.00
Official Checks $5.00 / check
Posting Reject $3.00
Temporary Checks (first order free) $5.00
Research $20.00 / hour ($20 minimum)
Returned Deposit Check – Single/Multiple Party $32.00
Returned Mail $5.00
Third Party Check Acceptance $7.00 / check
Wire Transfers – Domestic Outgoing $20.00
Wire Transfers – Domestic Incoming $7.00
Wire Transfers – International Outgoing $40.00
Wire Transfers – International Incoming $11.00
Business Online Banking and Cash Management
Online Domestic Wire Transfers $20 / wire
Online International Wire Transfers $40 / wire
ACH Processing $30 / month
These fees are in addition to the monthly service fees for Business Checking and any transaction fees that normally apply.
Deposit Now – Remote Deposit for Business
Option 1: Business member purchases or leases scanner
Monthly Maintenance Fee
Requires certified scanner – pricing varies
$20.00 / month
Option 2: First scanner provided to business member by Vantage West (24-month contract required; cancellation fee is $250.00)
Monthly Maintenance Fee
$30.00 / month
Disclosures

1Teller (over the counter) transactions. 2Fee applies to Premium Share. 3 Monthly fee waived if one of the following criteria is met: 1) maintain balance of $3,000.00 or more in your Premium Rewards Checking account, 2) receive monthly direct deposits of $750 or more, 3) or have a combined average daily balance in all deposit accounts of 10,000.4For Rewards Checking accounts, you may qualify to have the monthly service fee for the dividend period waived if you meet one of the following requirements; 1) you meet the required minimum average daily balance of $1,000.00 for the dividend period, 2) if you make 10 or more debit and/or credit card Signature or Point of Sale (excludes ATM and ACH) transactions during the calendar month, or 3) you have an outstanding mortgage loan with Vantage West. 5For Rewards Plus Checking accounts, you may qualify to have the monthly service fee for the dividend period waived if you meet one of the following requirements; 1) you meet the minimum average daily balance of $3,000.00 for the dividend period, 2) if you make 20 or more debit and/or credit card Signature or Point of Sale (excludes ATM and ACH) transactions during the calendar month, or 3) you have a first mortgage loan with Vantage West. 6 Account(s) closed or converted to other account(s) within 6 months of initial opening or prior conversion. 7Fee waived for minors and/or if one of the following criteria is met : 1) Aggregate loan balance of $10,000 or more, 2) Aggregate deposit balances of $10,000 or more, 3) First mortgage loan. 8Fee reduced 50% for active duty military. 9Fee applies to Business Premium Share and High Yield Money Market share accounts. 10Fee is charged in addition to any Transaction Fee that may apply, depending on Account Type. 11Fee waived when enrolled in e-statements.