All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

  Services Fees
  Fax Machine - per page $ .25
  ATM Inquiry Fee (Transfund other than BOC) $ .50
  Transfer of Funds (auto transfer for NSF) $ 1.00
  Cashiers Checks $ 5.00
  CIRRUS Inquire Fee $ 1.00
  Fax Machine - per page US Long Distance $ 1.00
  Instant Statement Printout Fee per page $ 1.00
  ATM Transaction Fee (Transfund Other than BoC) $ 1.75
  Money Orders (Customer) $ 2.00
  Research Copy $ 2.00
  CIRRUS Transaction Fee $ 2.00
  Transfer of Funds (by Phone) $ 3.00
  Zipper Bag Fee $ 5.00
  Dormant Checking after 1 year - per month $ 5.00
  Charge Back Item Fee Per Item $ 5.00
  Daily Overdraft Fee (Beginning on 5th & each subsequent consecutive calendar day your account is overdrawn and continues to have a negative balance) $ 5.00
  Loan Payment Book Fee (1st book free) $ 7.50
  Credit Verification Fee $10.00
  Collection Items (Incoming/Outgoing) $15.00
  Garnishment & Levy $15.00
  Notary Fee (non-customer) $2.00
  Lock Bag (Contract is required) $20.00
  Balance Checkbook - per hour/1 hr. min. $20.00
  Wire Transfer Fee (U.S.) $20.00
  Insufficient Funds Charge - Per Item Paid $25.00
  Stop Payments (per item) $25.00
  Subpoena (per hour + copies) $25.00
  Research Fee (per hour/1 hr min. + Copies) $25.00
  Insufficient Funds Charge - Per Item Returned $25.00
  Account Closing Fee within 90 days of Opening $25.00
  IRA Closing Fee with 90 days of Opening $25.00
  Wire Transfer Fee (Foreign-by Contract) $45.00
  Debit Replacement Cards $5.00
  Coin Counting for Non-Customers minimum of $3.00 5%
  Notary Service FREE