Schedule of Fees

Effective November 1, 2023

Service	Per Item Fee
Bill Pay Online Banking Service	Free
Optional Overnight Online Bill Payments	$9.95
Optional Next Day Online Bill Payment	$14.95
Overdraft (OD)/NSF Charge	$30.00
ACH Overdraft (OD)/NSF Charge	$30.00
Returned Check Charge	$30.00
ACH Return Charge	$30.00
Business Non-sufficient Funds (NSF) Deposit Fee	$30.00
Official Check / Money Order	$5.00
Check Copies	$3.00
Debit/ATM Card Replacement	$5.00
Incoming Domestic or International Wire Fee	$10.00
Outgoing Domestic (only) Wire Fee	$20.00
Check Printing	Varies
Checking Line of Credit (per month)	$2.50
Research Time (Per Hour)	$30.00
Non First Federal ATM Usage (Per Occurrence)	$2.00
Non First Federal Cardholder at First Federal ATM	$3.00
Statement Copies (Per Page)	$1.00
Stop Payment (ACH & Check)	$30.00
ATM/Debit Card	Free
Inactive/Dormant Charge (Per Month) Three (3) years of inactivity for savings, twelve (12) months of inactivity for checking. Balance less than $200.00	$5.00
Commercial Checking Item Fee (per item)	$0.15
Commercial Checking Coin/Currency Deposit) Per thousand dollars deposited	$0.50

Lock Box	Fee
3x5	$45.00 Annually
5x5	$50.00 Annually
3x10	$55.00 Annually
5x10	$75.00 Annually
10x10	$125.00 Annually
Key Replacement (while you still have the box)	$50.00
Drilling Fee	$200.00

Checking Account Fees	Monthly Maintenance Fee
Preferred Checking Waived if you maintain a daily balance of $1500.00 or more.	$7.00
Simply Savings Waived if you maintain a daily balance of $100.00, are under age 18 or over age 50.	$3.00
Money Market Savings Waived if you maintain a daily balance of $500.00 or more.	$7.00
Business Interest Checking Waived if you maintain a daily balance of $1500.00 or more.	$7.00
Commercial Checking	$15.00
Simply Business Savings Waived if you maintain a daily balance of $100.00 or more.	$3.00
Business Money Market Savings Waived if you maintain a daily balance of $500.00 or more.	$7.00

Accounts