Fee Schedule

Regular Checking Account

• Monthly minimum balance fee if the daily balance drops below $750 on any day of the month:$ 7.50
• After 20 withdrawals, there is a per check fee of: $ .10
• No fees are charged if your minimum daily balance is $5,000 or more.

Business Checking Account

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

Internet Banking

• Free of charge – www.fnbspi.com

Internet Banking with Bill Pay

• 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.
• 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.

NOW Account

• Monthly minimum balance fee, if the daily balance drops below the required $1,500 on any day of the month: $10.00
• After 20 withdrawals, there is a per check fee of: $ .10
• 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

Savings Account (Regular and Business)

• Monthly minimum balance fee if the daily balance drops below $100 on any day of the month:$ 2.00
• One withdrawal allowed per statement cycle with no service charge. Each additional withdrawal (including ATM withdrawals) are charged: $ 5.00

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

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• Early withdrawal penalty: One month’s interest on the amount withdrawn.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

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• Early account closing penalty: One month’s interest on the amount withdrawn.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

OTHER ACCOUNT FEES

WHICH APPLY TO ALL ACCOUNTS

• Account Closed Within 90 Days – $ 25.00
• Account Levy, Hold or Freeze – $ 25.00
• Debit Card Services:
       Card Issue or Reorder: – $ 5.00
       Transaction On or Off Premises (FNB Customer) – No Fee
       Transaction On Premises (Non-Customer) – $ 2.00
• Bill Paying Service (each manual transaction) – $ 3.00
• Check Printing (Fee depends on style of check ordered)
• Collections:
       Incoming – $ 10.00
       Outgoing – $ 10.00
• Copy of Bank Records (per item) – $ 5.00
• Counter Checks (each) – $ .15 (10 at no charge with check order)
• Cutoff Statement – $ 3.00
• 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 – $ 25.00
• Research - per hour – $ 20.00
• Stop Payment / Postdated Check Notification – $ 15.00
• Zipper Bags – $ 3.00
• Internet Banking - No Fee
• Internet Banking with Bill Pay - $5.95

MISCELLANEOUS FEES & CHARGES

                                                                   Customer              Non-customer 

• Official Checks:
       Cashier’s Check –                            $ 5.00                     $7.50
       Money Order ($1,000 maximum)       $ 3.00                     $5.00
       
• Other Check Cashing (approved non-customer) – 5% (Maximum Check $200)
• Cash Advance                                    No Fee                     $5.00
• Savings Bond Redemption                 No Fee                     $3.00
• Fax Fees:
       Incoming – $ 3.00
       Outgoing (956 area code) – $ 5.00
       Outgoing (long distance) – $ 7.50
       Outgoing (International) – $ 15.00
• Safe Deposit Boxes:
       3 x 5 (per year) –                             $ 20.00                    $30.00
       5 x 5 (per year) –                             $ 30.00                    $45.00
       3 x 10 (per year) –                           $ 40.00                    $60.00
       5 x 10 (per year) –                           $ 50.00                    $75.00
       10 x 10 (per year) –                         $100.00                    $150.00
       Set-up Fee (one time charge) –         $ 15.00                     $15.00
       Drill Box –                                       $150.00                    $150.00
• Wire Transfer:
       Incoming (Customer) –                    No charge
       Incoming (Non-customer) –                                              $25.00
       Outgoing - Domestic  –                     $ 10.00                     $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.