Downey Savings - Deposit Accounts

	Checking Accounts
	Savings Accounts
	Certificates of Deposit
	Education Accounts
	Retirement Accounts
	Bank Cards
	Special Services
	Schedule of Fees

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Effective March 1, 2008

The following fees and charges apply to all Downey Savings accounts, except where indicated. All fees and charges are subject to change, at any time, without notice.

	Savings Accounts			Safe Deposit Boxes
	Checking Accounts			Statements
	Electronic Tax Payment Services			Stop Payment Order
	Money Market Accounts			Travelers Cheques
	Retirement Accounts			Wire Transfers
	ATMs			Other Fees and Charges
	Online Banking and Online Bill Pay
	Returned Items/NSF Charges

SAVINGS ACCOUNTS

Passbook Savings

Monthly service charge
(Monthly service charge waived with a minimum daily balance of $300. Minors under age 18 and seniors age 55 and over are exempt from this service charge).

$3.00

Replace lost savings passbook

$3.00

CHECKING ACCOUNTS

Downey FREEdom Checking

Monthly service charge

Free

Downey Interest Checking

Monthly service charge
(Monthly service charge waived with an average daily balance of $1,500 or a combined savings balance of $2,500.).

$12.00

Deluxe Check Orders

At cost

Copy of Checks

	Truncated accounts -2 checks free/statement cycle; thereafter
	Imaged accounts

$2.00/ check

ELECTRONIC TAX PAYMENT SERVICES

Setup

$5.00

Each Payment

$2.50

PC Software

$50.00

Quarterly Activity Report

$3.00

Receipts (Faxed or Mailed)

$1.00

Customer Service Call

$1.00

Account Maintenance

$5.00

MONEY MARKET ACCOUNTS

Money Market Passbook

Monthly service charge
(Monthly service charge waived with a minimum daily balance of $2,500. Minors under age 18 and seniors age 55 and over are exempt from this service charge).

$10.00

Money Market Checking

Monthly service charge
(Monthly service charge waived with an average daily balance of $2,500).

$10.00

Excess activity fee
(over three checks paid per monthly statement cycle)

$10.00/ per excess check

RETIREMENT ACCOUNTS

Annual periodic distribution fee

$5.00

Annual trustee fee

$15.00

Levy processing

$75.00

Marital dissolution administrative fee

$75.00

Outgoing transfer

$25.00

Partial / lump sum distribution fee

$10.00

ATMs

Non-Downey ATM withdrawals

$2.00

Non-Downey ATM balance inquiries & transfers

$2.00

International Service Assessment Fee

1% of transaction amount

Point-Of-Sale transactions

ATM / ATM Plus Card replacement

$8.00

ONLINE BANKING AND ONLINE BILL PAY

Online Banking

Free

Online Bill pay

Free

RETURNED ITEMS/NSF CHARGES

Customer as payor (returned item)

$10.00 each

Customer as payee (returned item)

$5.00 each

Check presented against insufficient funds

$25.00 each

ACH payment presented against insufficient funds

$25.00 each

Checks presented against insufficient funds and paid

$25.00 each

Checks presented against uncollected funds

$22.00 each

VISA® Check Card transaction presented against insufficient funds

$25.00 each

SAFE DEPOSIT BOXES (where available)

Size

Monthly Fee

Monthly Fee Waived*
with a minimum daily balance of:

2" x 5"

$1.50

$5,000

5" x 5"

$2.50

$10,000

3" x 10"

$5.00

$25,000

6" x 10"

$10.00

$50,000

Safe deposit box key hold on funds in account (pending return of key)

$75.00

Safe deposit box lost key charge

$10.00 plus
locksmith drilling cost

*Monthly fee waived on only one box per account, depending on minimum daily balance in account.

STATEMENTS

Special statement

$5.00

Statement/account reconciliation/research

$20.00/ hour

Statement photocopy

$5.00

Account activity printout

$2.00

STOP PAYMENT ORDER

Initial request and each renewal request, including ACH; excluding cashier's checks

$25.00/ check

Cashier's Checks

$10.00/ check

TRAVELERS CHEQUES

Regular Travelers Cheques (available to customers only)

	Customers with combined balance of $2,500 or more
	Customers with balance less than $2,500

Free

1% of purchase

American Express® Cheques for Two

$1.00/ $100 cheque

American Express® Gift Cheques

$2.50/ cheque

American Express® Gift Card

$3.95

TravelFunds® Card

$14.95

TravelFunds® Direct: Travelers Cheques and Foreign Cash

Face Value and $7.50/order

WIRE TRANSFERS

Outgoing domestic funds

$30.00/ transfer

Outgoing foreign funds

$40.00/ transfer

Incoming domestic funds

$10.00/ transfer

Incoming foreign funds

$10.00/ transfer

OTHER FEES AND CHARGES

Account closing fee (within 90 days of account opening)

$20.00

Outgoing Draft

$5.00

Bank Verification of Deposit Fee

$5.00

Bond Coupon Collection

$10.00/ envelope

Cashier's Checks

$6.00/ check

	Stop payment on cashier's check
	Photocopy of paid cashier's check

$10.00

$4.00

Coin Counting - includes rolled coins (where available)

2% or $2.00 whichever is greater

Direct Deposit

Payroll and Social Security checks

Free

Facsimile

$3.00/ page

Legal Process

$75.00

Levy Processing

$75.00

Medallion Signature Guarantee

$5.00/signature

Money Orders (available to customers only)

$3.00 each

	Lost money order replacement
	Stop payment on money order

$5.00

$10.00

Negotiable item sent for collection

$10.00 plus third party costs

Notary Public Service (where available)

	California
	Arizona

$10.00/ signature

$2.00/ signature

No Mail request fee

$5.00

Downey Savings Credit Line (must have been opened before July 25, 2003)

	Annual fee
	Late payment charge
	Minimum payment ----------------------------------------------------------------------------------------------------------------
	Returned item charge (Customer of payee)

$15.00

$10.00

Greater of $25.00 or 4% of outstanding balance

$10.00

Photocopying

Customer use of photocopy machine

$0.20/ per copy

Postdated Check Charge

$10.00/ check

Record Search

Customer requested

$25.00/ hour plus copying charges

Savings Overdraft Protection

$3.00/ transfer