Fees

Basic Checking
Fee can be avoided if a minimum daily balance of $500 or more is maintained.

Fee: $7 per month

First Club Checking

Fee: $8.49 per month for individual plan, which includes $10,000 accidental death insurance
Fee: $9.99 per month for family plan, which includes $20,000 accidental death insurance

Super NOW Checking

Fee: $8.00 per month if the daily balance falls below $1000. No service charge on balances $1000 and above. Interest will be forfeited for the days that collected balance falls below $1,000.

First Business Checking

Fee: $.20 per debit or credit transaction in excess of 100 per month, and $.15 for each deposited item over 100.

First Commercial Checking

Fee: $5 per month. $.14 per debit or credit transaction, and $.07 for each deposited item. First Commercial Checking has an earnings credit of $2.00 per $1,000 average collected balance.

First Commercial Super NOW Checking

Fee: $5.00 per month. $.14 per debit or credit transaction, and $.07 for each deposited item. Interest will be forfeited if the collected balance falls below $1,000 at any time during the statement cycle. $8.00 per month will be assessed for balances below $1,000.

First Commercial Money Market Accounts

Fee: $5 per month will be assessed for Money Market accounts. A $.10 credit will be given for every $100 average daily balance per statement cycle. Interest will be forfeited if the collected balance falls below the $2,500 minimum at any time during the statement cycle.

Fee: Transaction restrictions may apply. $2.00 will be assessed for each withdrawal over six each month.

Fee: 30 items deposited are provided free each month. Items in excess of 30 are .07 each.

First Commercial Money Market Plus Accounts
Fee can be avoided when minimum daily balance is maintained.

Fee: $10.00 per month will be assessed for Money Market Plus balances below $5000. Interest will be forfeited if the collected balance falls below minimum at any time during the statement cycle.

Fee: Transaction restrictions may apply. $10.00 will be assessed for each withdrawal over six each month.

Basic Savings
Fee can be avoided when minimum daily balance equals $100 or more.

Fee: $5 per quarter if account balance falls below $100 during the quarter
Fee: Transaction restrictions may apply. $2.00 for each withdrawl over six per quarter.

Certificates of Deposit

Penalty for early withdrawal equals 90 days' interest on the outstanding principal balance, except for FirstFund

Money Market Accounts
Fee can be avoided when minimum daily balance is maintained.

Fee: $8 per month will be assessed for Money Market balances below $2,500 and $10 for Money Market Plus balances below $5,000. Interest will accrue only on the days the minimum balance is maintained.

Fee: $2 will be assessed for each withdrawal over six per month on Money Market Accounts, and $5 for each withdrawal over six per month on Money Market Plus Accounts.

Internet Banking

Fee: FREE for basic service
Fee: FREE for Bill Pay Service

ATM Transactions

Fee: None with use of FirstBank ATMs located at a FirstBank office or branch or those displaying a Money Pass logo.
Fee: $1 for each withdrawal when using non-FirstBank ATMs (regardless of account balance). There may be a charge for using FirstBank ATMs not located at a FirstBank office or branch
When you use an ATM not owned by us, you may be charged a fee by the ATM operator and/or by the network used.

First ACCESS CHECKCard

Fee: FREE with eligible checking accounts

Stop Payment

Fee: $32 per item

Non-Sufficient Funds Items (NSF)

Fee: $32 per NSF item paid or returned
Fee: $5 per day after 5 consecutive days in an overdraft balance

Wire Transfers

Fee: $20 for outgoing/domestic
Fee: $10 for First ACCESS outgoing/domestic
Fee: $50 for international
Fee: $15 for incoming international/domestic

Account Research

Fee: $20 per hour ($25 minimum)

Account Activity Printouts

Fee: $5

Account Verification

Fee: $25

Garnishments/ Levy

Fee: $30

Travelers Checks

Fee: 1% of purchase amount; no charge to Club Account members

Money Orders

Fee: Customers - $2, non-customers - $3, free to FirstClub customers

Cashiers Checks

Fee: Customers - $3.00, non-customers - $5.00, free to FirstClub customers

Photocopies

Fee: 25¢ per page

Dormant Account Fee

$5 per month when ledger balance is below $1,000

Night Deposit Bag

First bag free: 2 bags or more $20 / each