Federal Deposit Insurance Corporation FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Schedule of Fees

Effective November 1, 2023

Service Per Item Fee
Bill Pay Online Banking Service Free
Optional Overnight Online Bill Payments $9.95
Optional Next Day Online Bill Payment $14.95
Overdraft (OD)/NSF Charge $30.00
ACH Overdraft (OD)/NSF Charge $30.00
Returned Check Charge $30.00
ACH Return Charge $30.00
Business Non-sufficient Funds (NSF) Deposit Fee $30.00
Official Check / Money Order $5.00
Check Copies $3.00
Debit/ATM Card Replacement $5.00
Incoming Domestic or International Wire Fee $10.00
Outgoing Domestic (only) Wire Fee $20.00
Check Printing Varies
Checking Line of Credit (per month) $2.50
Research Time (Per Hour) $30.00
Non First Federal ATM Usage (Per Occurrence) $2.00
Non First Federal Cardholder at First Federal ATM $3.00
Statement Copies (Per Page) $1.00
Stop Payment (ACH & Check) $30.00
ATM/Debit Card Free
Inactive/Dormant Charge (Per Month)
Three (3) years of inactivity for savings, twelve (12) months of inactivity for checking. Balance less than $200.00		 $5.00
Commercial Checking Item Fee (per item) $0.15
Commercial Checking Coin/Currency Deposit
Per thousand dollars deposited		 $0.50

Lock Box

Dimensions & Other Fee
3x5 $45.00 Annually
5x5 $50.00 Annually
3x10 $55.00 Annually
5x10 $75.00 Annually
10x10 $125.00 Annually
Key Replacement (while you still have the box) $50.00
Drilling Fee $200.00

Checking Account Fees

Account Fees Monthly Maintenance Fee
Preferred Checking
Waived if you maintain a daily balance of $1500.00 or more.		 $7.00
Simply Savings
Waived if you maintain a daily balance of $100.00, are under age 18 or over age 50.		 $3.00
Money Market Savings
Waived if you maintain a daily balance of $500.00 or more.		 $7.00
Business Interest Checking
Waived if you maintain a daily balance of $1500.00 or more.		 $7.00
Commercial Checking $15.00
Simply Business Savings
Waived if you maintain a daily balance of $100.00 or more.		 $3.00
Business Money Market Savings
Waived if you maintain a daily balance of $500.00 or more.		 $7.00