Schedule of Fees & Charges
Additional Charges
Teller Services (Foreign Currency)
| Teller Services | Fee |
|---|---|
| Purchase | $12 |
| Redeem | $17 |
Teller Services (Domestic Currency)
| Teller Services | Fee |
|---|---|
| Cashier's Checks | $5 |
| Night Depository bags | $25 |
| Zipper Bags | $5 |
| Coin Order (per roll after first 10 rolls) | $0.10 |
| Coin Order (per box) | $10 |
Customer Services
| Customer Services | Fee |
|---|---|
| Non-Customer check cashing (or 1% if check is over $500) | $5 |
| Photocopies (per page) | $0.10 |
| Notary Service non-customer | $5 |
| Garnishment | $15 |
| IRA Transfer | $25 |
| HSA Transfer | $25 |
Wire Transfers
| Wire Transfers | Fee |
|---|---|
| Incoming Wire | $5 |
| Outgoing Domestic Wire | $25 |
| Outgoing Foreign Wire | $50 |
International Fees
| International Fees | Fee |
|---|---|
| Debit card purchase fee (ISA) (per transaction) | 2.20% |
Account Services
| Account Services | Fee |
|---|---|
| Collection items | $10 |
| Research time (minimum fee) | $5 |
| Research time (per hour) | $15 |
| Research online bill pay cancelled check copy (per check) | $15 |
| Copies of statements (per page) | $1 |
| Copies of each statement Item | $3.50 |
| Duplicate statements (monthly fee) | $5 |
| Paper statements (monthly fee) | $5 |
| Hold statements (monthly fee) | $5 |
| Return of deposited item, commercial account | $6.50 |
| Statement reconciliation (per hour) | $15 |
| Debit or ATM replacement cards | $5 |
Fees — All Accounts
ATM Fees
If an average collected balance of $1,500.00 or less is maintained for the monthly cycle for accounts in Interest Checking, Advantage Checking and Savings accounts, then the following fees apply:
Balance Inquiries
| Balance Inquiries | Fee |
|---|---|
| Balance inquiries at foreign ATMs | $1.50 |
| Transaction fees at foreign ATMs | $1.50 |
Stop Payment Orders
| Stop Payment Orders | Fee |
|---|---|
| Single check/debit or ACH item | $29 |
| Block of check/debits | $38 |
Nonsufficient Funds
| Nonsufficient Funds (per item) | Fee |
|---|---|
| Returned checks/debits | $29 |
Overdraft checks/debits*
| $29 |
*If your account is in good standing, we may consider, at our discretion, providing overdraft protection on your account and paying items that overdraw your account instead of declining them. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, or other electronic means. We may refuse to pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid overdrafts for you. The amount of any overdrafts, including our fees that you owe us, shall be due and payable immediately.
Account Closing
| Account Closing | Fee |
|---|---|
| If closed within six months of opening | $15 |
| Handling fee, if closed by First National Bank | $25 |
Check Printing*
| Check Printing* | Varies by type |
|---|---|
| Personalized temporary checks (4 per page) | $1 |
*Certain check printing fees are waived for some checking accounts (see checking accounts brochure for specific account details)
Dormant Account
| Dormant Account | Fee |
|---|---|
| For accounts with balances less than $100 and no activity for 18 months or more (per month) | $5 |