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Personal Banking

Fee Schedule

Business Checking Account

  • Monthly minimum balance fee if the daily balance drops below $1,500 on any day of the month: $12.50
  • Charge per item for over 250 transactions $.20

Certificates of Deposit

  • Early withdrawal penalty: Three month’s interest on the amount withdrawn. The early withdrawal penalty rate will be the rate in effect on the date of withdrawal.

Internet Banking

 Money Market Account (Regular and Business)

  • Monthly minimum balance fee if the daily balance drops below $2,500 on any day of the month: $10.00
  • There is a limit of six (6) withdrawals per month, and each withdrawal thereafter is charged a fee of: $ 5.00

NOW Account

  • After 20 withdrawals, there is a per check fee of: $ .10
  • Monthly minimum balance fee, if the daily balance drops below the required $1,500 on any day of the month: $10.00
  • No fees charged if your minimum daily balance is $5,000 or more.

Platinum Account

  • Monthly minimum balance fee if the daily balance drops below $500 on any day of the month:$ 5.00

Regular Checking Account

  • After 20 withdrawals, there is a per check fee of: $ .10
  • Monthly minimum balance fee if the daily balance drops below $750 on any day of the month:$ 8.00
  • No fees are charged if your minimum daily balance is $5,000 or more.

Savings Account (Regular and Business)

  • Monthly minimum balance fee if the daily balance drops below $50 on any day of the month:$ 2.00
  • Three withdrawal allowed per statement cycle with no service charge. Each additional withdrawal (including ATM withdrawals) are charged: $ 5.00

OTHER ACCOUNT FEES

WHICH APPLY TO ALL ACCOUNTS

  • Account Closed Within 90 Days – $ 25.00
  • Account Levy, Hold or Freeze – $ 25.00
  • Auto Transfer fee ($100 increments) - $1.00
  • Auto  Paying Service (each manual transaction) – $ 5.00
  • Cash withdrawals of $5,000 or more – .1% fee
  • Chargeback fee - $ 5.00
  • Check Printing (Fee depends on style of check ordered)
  • Collections:
         Incoming – $ 10.00
         Outgoing – $ 10.00
  • Copy of Bank Records (per item) – $ 5.00
  • Cutoff Statement – $ 3.00
  • Debit Card Services:
         Card Issue or Reorder: – $ 5.00
         Transaction On or Off Premises (FNB Customer) – No Fee
         Transaction On Premises (Non-Customer) – $ 3.00
  • Foreign Collections - Actual Fees + $5.00
  • Internet Banking - No Fee
  • Internet Banking with Bill Pay - $5.95
  • Merchant Account (VISA / MasterCard):
  •      Add Supplies (see price list)
         Annual Service Charge – $ 25.00
         Imprinter – $ 25.00
         Discount – (see bank)
         Supplies - (see price list)
  • Night drop Locking Deposit Bags - $25.00
  • Money Services Business Annual Site Visit - $50.00
  • Notary Fes (non-customers) - $5.00 Additional pages - $1.00
  • NSF & Overdraft Fee – $ 30.00
  • Research - per hour – $ 30.00
  • Stop Payment / Postdated Check Notification – $ 20.00
  • Temporary Checks - $1.00 (per page of 4 checks)
  • Zipper Bags – Small $3.00 / Large $5.00

MISCELLANEOUS FEES & CHARGES

                                                                   Customer              Non-customer 

  • Fax Fees:
         Incoming – $ 3.00
         Outgoing (956 area code) – $ 5.00
         Outgoing (long distance) – $ 7.50
         Outgoing (International) – $ 15.00
  • Official Checks:
         Cashier’s Check –                            $ 5.00                     $15.00
         Money Order ($1,000 maximum)       $ 3.00                     $10.00
         
  • Other Check Cashing (approved non-customer) – 5% (Maximum Check $200)
  • Safe Deposit Boxes:
         3 x 5 (per year) –                             $ 20.00                    $40.00
         5 x 5 (per year) –                             $ 30.00                    $60.00
         3 x 10 (per year) –                           $ 40.00                    $80.00
         5 x 10 (per year) –                           $ 50.00                    $100.00
         10 x 10 (per year) –                         $100.00                    $200.00
         Set-up Fee (one time charge) –         $ 15.00                     $15.00
         Drill Box –                                       $150.00                    $150.00
  • Savings Bond Redemption                 No Fee                     $5.00 per bond
  • Wire Transfer:
         Incoming (Customer) –                    No charge
         Incoming (Non-customer) –                                              $25.00
         Outgoing - Domestic  –                     $ 15.00                     $25.00
         Outgoing - Foreign  –                        $ 35.00                     $50.00

                Outgoing domestic (non-customer) max $3,000.00              $30.00

NOTICE REGARDING FEES BY OTHERS

  • If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.
  • If you have a check sent for collection, you may be charged a fee by the receiving bank.

Internet Banking with Bill Pay Consumers

  • After the 90 day introductory period, Bill Payment for consumer accounts has a monthly flat fee of $5.95 per month.  Fee is waived if three (3) or more bills are paid during any month.
  • Includes same features of Internet Banking above with quick and easy bill payment which allows you to pay anyone online in just minutes.
  • Variable and recurring payment scheduling is also available.

IRA Account

  • Early account closing penalty: One month’s interest on the amount withdrawn. The early withdrawal penalty rate will be the rate in effect on the date of withdrawal.

   
     
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