Fee Schedule

Schedule of Service Fees

Account	Balance	Fee
Heritage Checking	Minimum balance service charge if balance falls below $100 any day of the monthly statement period.	$8.00 / month
Basic Checking	Minimum balance service charge if balance falls below $300 any day of the monthly statement period.	$8.00 / month
Blue Ribbon Checking	Minimum balance service charge if balance falls below $500 any day of the monthly statement period.	$8.00 / month
Prestige Checking	If account requirements are not met.	$25.00 / month
NJ Consumer Checking	$0.50 per check over the limited 8 per cycle	$3.00 / month
Statement Savings	Minimum balance service charge if balance falls below $250 any day of the monthly statement period.	$10.00 / month
Money Market	Minimum balance service charge if balance falls below $1,000 any day of the monthly statement period.	$10.00 / month
Anniversary Money Market	Minimum balance service charge if balance falls below $75,000 any day of the monthly statement period.	$10.00 / month
Business Money Market	Minimum balance service charge if balance falls below $2,500 any day of the monthly statement period.	$10.00 / month
Commercial Money Market	Minimum balance service charge if balance falls below $25,000 any day of the monthly statement period.	$10.00 / month

Action	Fee
Account Close-Out, less than 1-year (Excluding short term CD's)	$10.00 / each
Account Research and Reconciliation Does not include record retrieval costs	$20.00 / hour
ATM / MasterMoney Card Replacement Card	$5.00 / per card
ATM / MasterMoney Card Overdrafts	$25.00 / per card
Back-Up Withholdings (IRS Mandated)	$20.00
Official Bank Check Payable to Customer (Exchange check)	$5.00 / item
Official Bank Check Payable to Other	$10.00 / item
Official Bank Check Stop Payment and Replacements	$25.00 / item
Blank Counter / Temporary Checks	$2.00 / item
Bill Pay-Same day (Online Banking)	$10.95 / bill
Bill Pay-Overnight (Online Banking)	$16.95 / bill
Check Cashing (Non-Customer)	$2.00 / check
Check Certification	$15.00 / item
Check Returned or Paid Based on insufficient, uncollected, or non-available funds	$25.00 / item
Check Selection and Printing	See Catalog
Collection Item against Bogota Savings	$35.00 each
Copy of 1099	$5.00 each
Copy of Paid Check	$5.00 each
Copy of Previous Statement	$10.00 each
Dormant Account Savings (Inactive 24 months)	$5.00 / month
Dormant Account Checking (Inactive 12 months)	$5.00 / month
Foreign Check Collection Plus correspondent bank charges	$35.00 / item
Home Equity Line of Credit Checks paid or returned (amount exceeding available credit)	$15.00 / item
Investigations Attachments, restraining notice, summons, subpoenas, etc.	$50.00 / hour
Lost Passbook	$10.00 each
Medallion Signature Guarantee	$10.00 each
Money Orders Customers Only	$3.00 each
Money Orders Photocopy	$5.00 each
Money Orders Stop Payment	$25.00 each
Notarization	$2.00 each
Overdraft	$25.00 / item
Overdraft Coverage Transfer Fee	$10.00 / transfer
Retirement Plan Close-out (Trustee to Trustee Transfer)	$25.00 / Each
Return Check (Mortgage Payment)	$25.00 / item
Return Deposit Item / Check Cashed	$25.00 / item
Return of ACH Item	$25.00 / item
Safe Deposit Box Rental	Varies by size
Safe Deposit Box Delinquency Fee	$15.00 / month
Safe Deposit Box Drilling	$125.00 each
Safe Deposit Box Replacement Key	$10.00 each
Stop Payment Request	$25.00 / item
Wire Transfer Incoming	$10.00 each
Wire Transfer Outgoing	$35.00 each
Written Verification of Account Balance	$10.00 each