Regular Checking Account

• Monthly minimum balance fee if the daily balance drops below $ 500.00 on any day of the month: $ 5.00

Business Checking Account

• Monthly minimum balance fee if the daily balance drops below $ 500.00 on any day of the month: $ 5.00

Internet Banking

• Free of charge  – Click here to log in to Internet banking.

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.
• Account Transfers between Internal Bank Accounts and External Bank Accounts
• Fee of $ 5.00 per month for all bill pay enrollees, after the 90-day introductory period.  Fee of $ .50 per Bill Payment after 15 bills are paid during any month.

Super Now Account

• Monthly minimum balance fee, if the daily balance drops below the required $1,000.00 on any day of the month: $ 10.00.
• A minimum balance fee of $ .12 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will apply if the minimum balance falls below $ 1,000.00.

Passbook Savings Account (Regular and Business)

• If the minimum daily balance drops below $ 200.00 on any day of the statement cycle a service charge fee of $ 5.00 will be imposed.
• Four debit transactions are allowed per month with no service charge.  Each additional withdrawal is charged $ 1.00 each.
• Transfers from a Passbook Savings account to another account or to a third party by telephone transfer are limited to four per month with no transfers by check, draft, debit card, or similar order to third parties.

Money Market Account (Regular and Business)

• Monthly minimum balance fee of $ 10.00 will be imposed if the daily balance drops below $ 1,000.00 on any day during the month.
• There is a limit of six (6) withdrawals per month, and each withdrawal thereafter is charged a fee of $ 10.00. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three by check, draft or similar order to third parties.

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• Early withdrawal penalty: One month’s interest on the amount withdrawn.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• Early account closing penalty: One month’s interest on the amount withdrawn.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

• ATM/Debit Card Services:
       Reorder Issued Card or Re-PIN: – $ 5.00
       Transaction On Premises (FSB Customer) – No Fee
       Transaction On Premises (Non-Customer) – $ 2.00
• Check Printing (Fee depends on style of checks ordered)
• Copy of Bank Records (per item) – $ .10
• NSF & Overdraft Fee – $ 30.00
• Research - per hour – $ 20.00, minimum one hour
• Stop Payment  – $ 10.00
• Locking Zipper Bags – $ 45.00
• Internet Banking – No Fee
• Internet Banking with Bill Pay - $ 5.00
• Bill Paying Service - $ .50 per transaction after first 15 paid bills

MISCELLANEOUS FEES & CHARGES                                                           

• Official Checks:
       Cashier’s Check –                            $ 4.00                    
  Other Check Cashing (approved non customer) – 1%
• Savings Bond Redemption                 No Fee                    
• Fax Fees:
      Outgoing    $ 3.00 first page; additional page $ 1.00 each
•     Incoming     No Fee
• Safe Deposit Boxes:
       2 x 5 (per year) –                             $  10.00                   
       3 x 5 (per year) –                             $  15.00                   
       3 x 10 (per year) –                           $  30.00          
• Wire Transfer:
       Outgoing                                          $ 10.00

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.

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