Hierarchy for Fee Waivers

Following is a listing of the order in which fee waivers are applied to waive fees. All fees follow this order with a few exceptions which are explained below this listing.

Fee Waiver Hierarchy

Description	Reason for Waiver
ANR Fee Cap	Member has already reached the maximum (business day) amount of ANR fees.
Marketing Clubs	Member is a member of a marketing club, which waives the fee.
Tiered Services	Member has a certain level of Tiered Service, which waives the fee.
Minimum Age	Member’s age is at or below a certain age
Maximum Age	Member’s age is at or above a certain age
e-Statements	Member is enrolled in e-Statements
Aggregate Balances
Loans	Aggregate current balances of member’s MEMBER5 and MEMBER6 accounts are equal to or greater than a certain amount (includes all loans and open-credit accounts
Savings	Aggregate current balances of member’s MEMBER1 accounts are equal to or greater than a certain amount (including tax escrow and IRA accounts)
Savings Average	Average amount of the current balance of member’s MEMBER1 accounts is equal to or greater than a certain dollar amount
Combined Aggregate	Aggregate current balance of all (combined amount) of member’s accounts is equal to or greater than a certain dollar amount
Account Relationship	(Used for Minimum Balance service charge only). The member has a specific type of account that waives a fee.
Free item	Credit unions offers a number of free items on certain items, such as a number of checks cashed for free.
Plastic	Members have certain types of OTB accounts (OTB credit cards, OTB loans, OTB savings, ATM or debit cards)

NOTE: One exception is the Minimum Balance (MBSC) which handles waivers in the following manner: Plastic, Balances, e-Statements, and then age requirements
NOTE: If the account is an organizational account (account type MO), the age check is bypassed for the following fees: Deposit item fees, phone transfer fee, check cash fee and charge for bill payment.