Schedule of Fees & Charges
Additional Charges
Teller Services (Domestic Currency)
| Teller Services | Fee |
|---|---|
| Teller Services: Tip pack (per pad) | Fee: $5 |
| Teller Services: Cashier’s Checks | Fee: $5 |
Teller Services (Foreign Currency)
| Teller Services | Fee |
|---|---|
| Teller Services: Purchase | Fee: $12 |
| Teller Services: Redeem | Fee: $17 |
| Teller Services: Night Depository bags | Fee: $25 |
| Teller Services: Zipper Bags | Fee: $5 |
| Teller Services: Coin Order (per roll after first 10 rolls) | Fee: $0.10 |
| Teller Services: Coin order (per box) | Fee: $10 |
Customer Services
| Customer Services | Fee |
|---|---|
| Customer Services: Non-Customer check cashing (or 1% if check is over $500) | Fee: $5 |
| Customer Services: Fax (per page) | Fee: $1 |
| Customer Services: Photocopies (per page) | Fee: $0.10 |
| Customer Services: Notary Service non-customer | Fee: $5 |
| Customer Services: Garnishment | Fee: $15 |
| Customer Services: IRA Transfer | Fee: $25 |
| Customer Services: HSA Transfer | Fee: $25 |
Wire Transfers
| Wire Transfers | Fee |
|---|---|
| Wire Transfers: Incoming Wire | Fee: $5 |
| Wire Transfers: Outgoing Wire | Fee: $25 |
| Wire Transfers: Foreign Wire | Fee: $50 |
International Fees
| International Fees | Fee |
|---|---|
| International Fees: Debit card purchase fee (ISA) (per transaction) | Fee: 2.20% |
Account Services
| Account Services | Fee |
|---|---|
| Account Services: Collection items | Fee: $10 |
| Account Services: Research time (minimum fee) | Fee: $5 |
| Account Services: Research time (per hour) | Fee: $15 |
| Account Services: Research online bill pay cancelled check copy (per check) | Fee: $15 |
| Account Services: Copies of statements (per page) | Fee: $1 |
| Account Services: Copies of each statement Item | Fee: $3.50 |
| Account Services: Duplicate statements (monthly fee) | Fee: $5 |
| Account Services: Paper statements - Business accounts (monthly fee) | Fee: $5 |
| Account Services: Hold statements (monthly fee) | Fee: $5 |
| Account Services: Return of deposited item, commercial account | Fee: $6.50 |
| Account Services: Statement reconciliation (per hour) | Fee: $15 |
| Account Services: Debit or ATM replacement cards | Fee: $5 |
Fees — All Accounts
ATM Fees
If an average collected balance of $1,500.00 or less is maintained for the monthly cycle on accounts other than First Classic or First Free, then the following fees apply:
Balance Inquiries
| Balance Inquiries | Fee |
|---|---|
| Balance Inquiries: At First National Bank ATMs (2 free) | Fee: $1.50 |
| Balance Inquiries: Balance inquiries at other ATMs | Fee: $1.50 |
| Balance Inquiries: Transaction fees at other ATMs | Fee: $1.50 |
Stop Payment Orders
| Stop Payment Orders | Fee |
|---|---|
| Stop Payment Orders: Single check/debit or ACH item | Fee: $29 |
| Stop Payment Orders: Block of check/debits | Fee: $38 |
Nonsufficient Funds
| Nonsufficient Funds (per item) | Fee |
|---|---|
| Nonsufficient Funds (per item): Returned checks/debits | Fee: $29 |
| Nonsufficient Funds (per item): Overdraft checks/debits*
| Fee: $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 |
|---|---|
| Account Closing: If closed within six months of opening | Fee: $15 |
| Account Closing: Handling fee, if closed by First National Bank | Fee: $25 |
Check Printing*
| Check Printing* | Varies by type |
|---|---|
| Check Printing*: Personalized temporary checks (4 per page) | Varies by type: $1 |
*Certain check printing fees are waived for some checking accounts (see checking accounts brochure for specific account details)
Inactivity Fee
| Inactivity | Fee |
|---|---|
| Inactivity: For accounts with balances less than $50 and no activity for six months or more (per month) | Fee: $10 |
Dormant Account
| Dormant Account | Fee |
|---|---|
| Dormant Account: For accounts with balances less than $100 and no activity for 18 months or more (per month) | Fee: $5 |