Fee Schedule

Effective April 1, 2016

Checking Accounts

i-Checking and S.O.S. Checking
Maintenance Service Charge $10.00
Waived with direct deposit or a Family Federal mortgage
Basic Checking
Maintenance Service Charge $3.00
Per check fee – over 15 checks $1.00
Blue Checking
Maintenance Service Charge $5.00
Waived with $500 minimum daily balance or direct deposit
Silver Checking
Maintenance Service Charge $7.50
Waived with $1,000 minimum daily balance
Gold Checking
Maintenance Service Charge $10.00
Waived with $2,000 minimum daily balance or a FFS mortgage
NOW Account
Maintenance Service Charge $5.00
Waived with $500 minimum daily balance or direct deposit
Per check fee $0.15

**Ask us about our free checking account options**

Savings Accounts

i-Savings
Maintenance Service Charge $3.00
Waived with $200 minimum daily balance
Money Market
Maintenance Service Charge $5.00
Waived with $1,000 minimum daily balance
Family Advantage
Maintenance Service Charge $7.50
Waived with $1,000 minimum daily balance
Family Advantage Plus
Maintenance Service Charge $10.00
Waived with $5,000 minimum daily balance
Premier Savings
Maintenance Service Charge $10.00
Waived with $5,000 minimum daily balance

Individual Retirement Accounts (IRA)

Maintenance Service Charge $12.00
Transfer Out fee $25.00
Plan Close-out/Termination fee $25.00

Business Checking Accounts

Maintenance Service Charge $15.00

**Ask us about our free business checking account options**

Online Banking and Card Services

ATM/Debit Card – Replacement fee $10.00
ATM/Debit Card – Instant issue fee $10.00
Foreign ATM fee $1.00
Invalid ATM deposit fee $5.00

Wire Transfers

Outgoing wire fee $25.00
Incoming wire fee $15.00

Safe Deposit Box Fees

Late payment fee $10.00
Lost key replacement fee $25.00
Drilling and lock replacement fee – Locksmith cost plus $25.00

Loan Services

Returned loan payment fee $25.00
Duplicate tax bill fee $25.00
Subordination fee $200.00

Miscellaneous Fees

Temporary checks – 1 sheet of 4 checks $3.00
Money Order $2.00
Bank Check $3.00
Stop Payment fee $25.00
Check Cashing for non-customer $5.00
Excess withdrawals – Regulation D $20.00
Insufficient Funds Charge – paid or unpaid $30.00
Overdraft Transfer fee – per day $7.50
Returned Deposit Item fee $10.00
Extended Negative Balance fee – per day after 7 days $2.00
Copy – Account Statement or Check $5.00
Copy – Deposit $2.00
Copy – Tax Document (1099, 1098, etc) $5.00
Club Account Early Withdrawal fee $10.00
New Account Early Closing fee (less than 180 days) $20.00
Passbook Replacement fee $15.00
Returned Mail fee (per month after 90 days) $3.00
Inactive Account fee (per month after 12 months) $2.00
Escheatment fee (Abandoned Property fee) $50.00
Government Levy, Trustee Attachment or
Other Legal Processing fee (per account)
$50.00
Summons to Trustee $25.00
Account Balancing Assistance and
Account Research (per hour – 1 hour minimum)
$25.00
Notary Service (non-customer) $1.25
Night Deposit – Disposable bag $0.50
Night Deposit – Lock bag $25.00
Night Deposit – Replacement key $15.00