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Fee Schedule

The following fees and charges may be assessed against your account.

Check printing fees vary by the style of check ordered.

An overdraft fee of $32.75 will be charged per item for covering overdrafts created by check or draft, in-person withdrawal, ATM withdrawal or other electronic means.

 

Description Amount
ATM & Debit Card replacement fee$5.00
Bill Pay monthly fee after 60 days of inactivity$5.95
Bookkeeping research services - per hour$30.00
Bounce Protection - per item$32.75
Business Remote Check Deposit  - per month$35.00
Cash Concentration Sweep monthly fee$25.00
Cash Management monthly fee$30.00
Cash Management Positive Pay monthly fee$15.00
Cash Management secure token annual fee$25.00
Cash Management secure token replacement$15.00
Cashier's Check - per check$6.00
Chargeback - per item$5.00
Christmas Club check fee$5.00
Christmas Club early withdrawal (if closed prior to payout)$15.00
Collection item$10.00
Dormant account - checking account monthly fee$5.00
Dormant account - savings account quarterly fee (excludes Student Savings and Christmas Club)$5.00
Early account closure (within 90 days of opening)$15.00
Expedited Online Bill Pay payment - next day$19.95
Expedited Online Bill Pay payment - second day$14.95
Expedited Online Bill Pay payment - second day, electronic delivery$4.95
Health Savings Account - per year$25.00
Indemnity bond - per lost document$5.00
Levies, summons, garnishments and subpoena processing fee - per hour (one hour minimum)$30.00
Line of Credit Sweep monthly fee$25.00
Money Market excess transaction fee - per item over 6 per month$0.50
Money service business monthly fee$100.00
My First Bank Business Deposit app - per month$25.00
Online Bill Pay for business accounts after 20 paid items - per month, per item$0.40
Overdraft Protection with a credit card$7.50
Photocopy fee - per page$0.25
Returned check - per item$32.75
Same-day ACH file fee - per transmitted item credit or debit$12.00
Savings excess transaction - per item over 9 per quarter$0.50
Stop payment fee - per item$25.00
Sweep Overdraft Protection automatic transfer$7.50
Telephone service charge - per inquiry$2.00
Telephone transfer of funds - per transfer$7.50
Two signatures required at posting - monthly fee$10.00
Wire fee - incoming domestic$10.00
Wire fee - incoming international$32.75
Wire fee - outgoing domestic$22.50
Wire fee - outgoing international$62.50
Withdrawal at non-MoneyPass ATM$1.00

Fee Schedule is current as of June 14, 2021 and subject to change.

We may report information about your account to credit bureaus. Overdrafts, charge-offs, or other defaults on your account may be reflected in your credit report. Your credit report provides a glimpse of how financially responsible you are. Maintaining a clean credit report is vital to your financial well being. Negative information in your credit report will lower your credit score. Your credit score can be reviewed by lenders, insurers, landlords, and even potential employers. With a low credit score you will be more likely to be denied for credit, be offered lower limits, pay higher rates on credits. This notice has been provided to you as required by section 217 of the Fair and Accurate Credit Transactions Act of 2003.

There will be a fee charged for dormant checking or savings accounts. A notice will be sent out prior to the charges being assessed. No monthly or quarterly statements are sent out on any dormant account. Checking and savings accounts are considered dormant after 365 days of inactivity.

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