Fee Schedule

Business Checking Account

• Monthly minimum balance fee if the daily balance drops below $1,000 on any day of the month: $10.00

Certificates of Deposit

• Early withdrawal penalty: One month’s interest on the amount withdrawn.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.

Internet Banking

• Free of charge – www.fnbspi.com

Internet Banking with Bill Pay

• Fee of $5.95 for all bill pay enrollees after 90-day introductory period.  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• Early account closing penalty: One month’s interest on the amount withdrawn.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.

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 $750 on any day of the month:$ 7.50
• 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 $100 on any day of the month:$ 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
• Bill Paying Service (each manual transaction) – $ 5.00
• Cash withdrawals of $5,000 or more – .1% fee
• Check Printing (Fee depends on style of check ordered)
• Collections:
       Incoming – $ 10.00
       Outgoing – $ 10.00
• Copy of Bank Records (per item) – $ 5.00
• Counter Checks (each) – $ .15 (10 at no charge with check order)
• 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):
       Annual Service Charge – $ 25.00
       Imprinter – $ 25.00
       Discount – See bank
• Night Drop Locking Deposit Bags – $ 25.00
• NSF & Overdraft Fee – $ 30.00
• Research - per hour – $ 30.00
• Stop Payment / Postdated Check Notification – $ 20.00
• Temporary Checks - $1.00
• Zipper Bags – $ 3.00

MISCELLANEOUS FEES & CHARGES

                                                                   Customer              Non-customer 

• Cash Advance                                    No Fee                     $5.00
• Fax Fees:
       Incoming – $ 3.00
       Outgoing (956 area code) – $ 5.00
       Outgoing (long distance) – $ 7.50
       Outgoing (International) – $ 15.00
• Money Service Business Annual Site Visit - $50.00
• 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                     $3.00
• Wire Transfer:
       Incoming (Customer) –                    No charge
       Incoming (Non-customer) –                                              $25.00
       Outgoing - Domestic  –                     $ 15.00                     $25.00
       Outgoing - Foreign  –                        $ 35.00                     $50.00

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.