Miscellaneous Fees
Servicing Common Fees and Costs.
This schedule provides general information on common non-state specific costs that could be associated with servicing a loan account. Fees not listed include, HELOC/HEloan annual maintenance, early termination, and closure fees as well as late charges, which are outlined in your note/agreement. It is not a complete list of all costs that could be assessed to such an account.
This schedule is provided for informational purposes only.
1 Fee applies to overdraft item greater than $10.00 paid or returned with no more than five items charged each day. A NSF fee will not be charged for any item that overdraws your account by $10.00 or less. The amount of any overdrafts plus our NSF and/or Overdraft charge(s) that you owe shall be due immediately. The bank will not pay overdrafts when an account has been opened less than 90 days, or when there hasn't been a direct deposit or credit in the last 45 days, or there has been an overdraft item in the last 15 days, or there has been a return deposit item in the last 45 days.
2 The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM
withdrawal, or other electronic means.
Fess and Service Charges Last Updated: November 01, 2025
Personal Business Account Fees Service Charges
| Group | Name | Value |
|---|---|---|
| Collections | Non-Customer | Not Available |
| Domestic (Customer) | $15 per item | |
| International (Customer) | $25 per item | |
| Wire Transfer Charge - Domestic | Non-Customer | Not Available |
| Incoming Domestic | $16 | |
| Outgoing Domestic | $32 | |
| Return Wire Fee | $13 | |
| Wire Transfer Charge - Foreign | Non-Customer | Not Available |
| Incoming Foreign | $37 | |
| Outgoing Foreign | $74 | |
| Wire Return | $13 | |
| Safe Deposit Boxes - Annual Rental | 3 x 5 | $40 - $5 Discount W/Payment Auto Draft |
| 5 x 5 | $55 - $5 Discount W/Payment Auto Draft | |
| 3 x 10 | $65 - $5 Discount W/Payment Auto Draft | |
| 5 x 10 | $75 - $5 Discount W/Payment Auto Draft | |
| 10 x 10 | $95 - $5 Discount W/Payment Auto Draft | |
| Lost Key | $10 Plus Cost to Drill Box (Minimum $175) | |
| Late Rental Payment | 10% of Amount Due | |
| Miscellaneous Charges | Account Closing | $25 If Closed Within 90 Days |
| Account Printout, Copy of Statement, or Special Statement | $5 | |
| Account Reconciliation | $26 Per Hour / $26 Minimum | |
| Account Research | $26 Per Hour / $26 Minimum | |
| ATM Mini Statement | 1.25 | |
| ATM Transactions - Foreign ATM Withdrawal | $2.49 Per Transaction | |
| ATM Surcharge (Non-Customer at FFB ATM) | $4 Per Transaction | |
| 1031 Exchange | $1,000 Per Transaction | |
| Dormant Account Fee (Checking After 12 Months) | $10 Per Month | |
| Fax In/Out (Customers) | $1 Per Page Local / $2 Per Page | |
| Foreign Currency Purchase (Customers) | $25 Plus Shipping | |
| Legal Process Fee | $150 or 3% of Amount, Whichever is Higher | |
| Hold Mail Fee (Not Available to New Customers) | $5 | |
| IRA Annual Maintenance Fee | $15 | |
| IRA/HSA Custodial Transfer Fee | $50 | |
| NSF Paid Item Fee | $37 Per Item1 | |
| NSF Returned Item Fee | $37 Per Item1 | |
| Overdraft Charge (beginning second day of overdraft) | $7 Per Day2 | |
| Overdraft Protection | $7 Per Transfer | |
| Paper Statement Fee (Personal Checking Only) | $2 Per Month | |
| Photocopies | .25¢ Per Page | |
| Replacement Debit Card | $12 | |
| Replacement Debit Card + Expedited Shipping | $35 | |
| Return Deposit Item | $11 | |
| Return Mail Fee | $5 Per Month | |
| Same Day ACH | .05¢ Per Entry | |
| Stop Payment Order | $37 at Branch ($32 When Placed Online Using eCorp) | |
| Telephone/Fax Transfer Request | $6 | |
| Zipper Bags | $5 | |
| Bill Pay | Account to Account Transaction | $2 |
| Overnight Check | $14.95 | |
| Same Day Bill Pay | $9.95 | |
| Cashier's Checks (Customer) | $5 | |
| Check Cashing | Non-Customer Cashing Non-Customer Check | Not Available |
| Non-Customer Cashing Business Customer Check | $5 | |
| Check Images in Statements | $5.69 | |
| Check Printing | Fees Vary with Style Ordered | |
| Copy of Canceled Check | $5 | |
| Counter Checks | $1 Per Page | |
| Deposit Account Verification | $7.5 | |
| Deposit Correction Fee (Per Correction Over 2 Per Statement Cycle) | $7 | |
| Disposable Bags | .15¢ |
Business Account Fees Service Charges
| Group | Name | Value |
|---|---|---|
| Analysis Fees (Includes ACH & Cash Services Customers) | Account Maintenance Fee | $10 Per Month |
| Collection Domestic | $15 | |
| Collection International | $25 | |
| Disposable Bags | .15¢ | |
| Deposited | .11¢ Per Item | |
| Items Paid | .11¢ Per Item | |
| ACH Items (Debits and Credits) | .11¢ Per Item | |
| Return Deposited Item | $11 | |
| Rolls of Coin | .25¢ Per Roll | |
| Straps of Currency (Made Available) | .78¢ Per Strap | |
| Merchant Operated ATM Support Fee | $25 Per Month | |
| eCorp Fees | ACH Origination | $30 Per Month |
| eDeposit Merchant Capture | $39 Per Month | |
| Access/Internal Transfer | $7 Per Month | |
| Positive Pay | $4 Per Month | |
| Same Day ACH | .05¢ Per Entry | |
| Wires | $14 Per Month |
Loan Servicing Fees
| Group | Name | Value |
|---|---|---|
| Type | Late Charge | Varies Per Loan Agreement |
| Loan Payment by Phone Fee (ACH) | $15 | |
| Credit Card Payment Fee (delinquent accounts up to $1,500.00) | $15 | |
| Auto Draft Change Fee | $15 | |
| Recording Fee (amount may vary by County) | > $15 or Actual Cost | |
| Payoff Processing Fee | $35 | |
| Subordination of Mortgage Fee | $150 Plus Legal Fees | |
| Partial Release Fee - Real Estate | $150 Plus Legal Fees | |
| Re-casting (re-amortization) Fee | $300 | |
| Returned Payment Item | $30 | |
| Loan Research Fee | $30/Hr. - 1 Hr. Min | |
| Loan Statement Photocopies | $.25/Page | |
| Auto Draft Removal Fee | $100 | |
| Escrow Waiver | $150 |
