Fee Schedule
Share (Savings) Account Fees
Effective October 1, 2020
| # | Account Action | Fee |
|---|---|---|
| 1 | Christmas Club - Early Withdraw Fee | $5.00 per withdraw |
| 2 | Vacation Club - Early Withdraw Fee | After two withdrawals $5.00 per withdraw |
| 3 | Early Termination Fee (Closing account within 90 days of opening) |
$5.00 |
Share Draft (Checking) Account Fees
Effective October 1, 2020
| # | Account Action | Fee |
|---|---|---|
| 1 | Stop Payment (Check or ACH) |
$20.00 per item |
| 2 | Overdraft Transfers (for shares) |
$5.00 per transfer |
| 3 | Non-sufficient Funds | $30.00 per item |
| 4 | Uncollectable Funds (returned deposit) |
$30.00 per item |
| 5 | Share Draft Printing | Price varies upon style |
| 6 | Cashier's Check | $5.00 |
| 7 | Debit Card Replacement | $10.00 per card
Expedited - 3 day/$15.00 Next day/$40.00 |
| 8 | Notice of Levy | $25.00 per notice |
| 9 | temporary checks | $2.00 per sheet |
Credit Card Fees
Effective October 1, 2020
| # | account action | Fee |
|---|---|---|
| 1 | Application Fee | None |
| 2 | Balance Transfer Fee | None |
| 3 | Cash Advance Fee | $5.00 per cash advance |
| 4 | Foreign Transaction Fee |
1.00% of each multiple currency transaction in U.S.
dollars
1.00% of each single currency transaction in U.S. dollars |
| 5 | Late Payment Fee |
Up to $30.00
or the amount of the required minimum payment, whichever is less |
| 6 | Returned Payment Fee |
Up to $30.00
or the amount of the required minimum payment, whichever is less |
| 7 | Over-the-Credit limit Fee | None |
| 8 | Document Copy Fee | $12.00 |
| 9 | Emergency Card Replacement | $165.00 |
| 10 | Card Replacement Fee | $10.00 |
| 11 | ACH origination Return | $30.00 |
| 15 | Card Recovery Fee | $65.00 |
Electronic Funds Transfer Fees
Effective October 1, 2020
| # | Account Action | Fee |
|---|---|---|
| 1 | atm withdrawals, Deposits, Transfers, Inquiries | $0.00 at first National Bank ATMs |
| 2 | ACH Item Non-Sufficient Funds | $30.00 per item |
| 3 | ACH Origination Return | $30.00 per item |
| 4 | ATM Overdraft Protection (from shares) | $5.00 per transfer |
| 5 | Bill Pay Non-Sufficient Funds | $30.00 per item |
| 6 | Bill Pay Stop Payment | $20.00 per item |
| 7 | Wire Transfer – Domestic | $20.00 per transfer |
| 8 | Wire Transfer – Foreign | $40.00 per transfer |
Other Services Fees
Effective October 1, 2020
| # | Account Action | Fee |
|---|---|---|
| 1 | Account Reconciliation/Research | $25.00 per hour |
| 2 | Statement Copy | $2.00 per statement |
| 3 | Money Order |
$1.00 per money order (maximum amount $1,000) |
| 4 | Dormant Account |
$5.00 per month after 12 months inactivity After 3 years of dormancy funds will be surrendered to the state |
| 5 | Returned Mail/Undeliverable Mail | $2.00 per item |
| 6 | Escheat Processing Fee | $100.00 |
| 7 | Loan Late Payment | $20.00 (after 15-day grace period) |
| 8 | Home Equity Loans | Appraisal fee & recording fee varies per loan |
| 9 | Home Equity Satisfaction | Price varies per paid off loan |
| 10 | Western Union (Domestic) | $20.00 |
| 11 |
Western Union (International) $0.00 - $500.00 $501.00 and up |
$30.00 $25.00 plus 4% of the amount |
Convenience fee for Payments made via Debit Card
Effective October 1, 2020
| # | Account Action | Fee |
|---|---|---|
| 1 | $1.00 - $1,200.00 | $5.00 |
| 2 | $1,201.00 - $2,400.00 | $10.00 |
| 3 | $2,401.00 - $3,600.00 | $15.00 |
| ***for every additional $1,200.00, an additional $5.00 in fees will be added. |