Fee Schedule

NOW Checking Account

Fees: Each month you will be assessed a service charge of $5.00. You may avoid this fee if you maintain, each day during the statement cycle, a daily balance of at least $500.00

Money Market Deposit Account

Fees: Each month you will be assessed a service charge of $4.00. You may avoid this fee if you maintain, each day during the statement cycle, a daily balance of at least $2500.00

If more than six (6) preauthorized transfers, including checks, drafts or similar order, automatic or telephone/internet transfers, are attempted during any statement cycle  the Bank may at its discretion a.) return the additional items unpaid and/or refuse to execute the preauthorized transfers and/or b.) charge you an excessive transaction fee of $5.00 per transaction.

In addition, if any of the checks are presented for an amount of less than the required minimum check amount of $300.00 1st Bank may at its discretion a.) pay the check or b.) return the check unpaid.

Statement Savings Account

Fees: If more than six (6) preauthorized transfers, including automatic or telephone/internet transfers, are attempted during any statement cycle, the Bank may at its discretion a) refuse to execute the preauthorized transfers and to b) charge you an excessive transaction fee of $5.00

Step Saver

Fees: Each month you will be assessed a service charge of $25.00. You may avoid this fee if you maintain, each day during the statement cycle a daily balance of at least $5000.00.

Withdrawals are limited to one per month. Any withdrawals in excess of one per month will result in a $5.00 fee per excess transaction.

Small Business Checking Account

Fees: Each month you will be assessed a service charge of $5.00. You may avoid this fee if you maintain, each day during the statement cycle, a daily balance of at least $500.00

Business Checking Account

Fees: Each month you will be assessed a service charge of $10.00. You may avoid this fee if you maintain, each day during the statement cycle, a daily balance of at least $1000.00

Other Account Fees

The following fees apply to NOW Checking Accounts,  Free-n-Easy Checking Accounts, 1st Choice Checking Accounts, Money Market Deposit Accounts, Small Business Accounts, and Business Checking Accounts. Some fees may also apply to Statement Savings Accounts.

Check Printing   Price may vary depending on style
Non-Sufficient Funds*   $30.00 per occurrence
Stop Payment Request   $15.00 per check
Certified Check   $10.00 per check
Copy of Check   $3.00 per check
Copy of Statement   $5.00 per statement
Return Deposited Item   $10.00 per item
ACH Non-Sufficient Funds*   $30.00 per item
ACH Stop Payment Request   $15.00 per item
ATM Non-Sufficient Funds*   $30.00 per item
Statement Reconciliation and Statement Research   First 15 minutes free; each additional 30 minutes, $5.00
Replacement ATM/Debit Card   $10.00 per Card
Dormancy Fee   $5.00 per month after 2 years

*Insufficient funds created by check, in-person withdrawal, ATM withdrawal or other electronic means.

Miscellaneous Fees and Charges

Coupon Processing   As charged by 1st Bank’s Processing agent
Money Order   $3.00 per money order
Money Order Stop Payment   $5.00 per money order
Research   $2.50 per 15 minute period
Wire Transfers   $18.00 each wire in $18.00 each wire out
Levies   $50.00 each levy
Foreign Remittance and Collections Items   As charged by 1st Bank’s processing agent

Fees and Services are current as of March 1, 2012. For a complete list of current fees and services, along with account disclosure information, please contact your local branch office