Limits and Fees Disclosure
Effective Date: 2/7/2025
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:
Account Fees
Insufficient Funds or Overdraft Fees
Insufficient (NSF) Funds Fees or Overdraft (OD) Fees created by check, in person withdrawal, ATM withdrawal, or other electronic means. We assess a maximum of 3 insufficient funds fees or overdraft fees per day.
For returned items that are represented for payment, an insufficient funds fee or overdraft fee may be charged EACH time the item is presented when funds are insufficient.
| Fee | |
|---|---|
| Insufficient Funds Fee (item $10.01 or greater) | $25 |
| Overdraft Fee (item $10.01 or greater) | $25 |
| Savings Overdraft Protection (transfer from an FFB savings account) | $10 per transfer |
Statements
| Fee | |
|---|---|
| E-Statement (via Internet Banking) | Free |
| Paper Statement (via mail) | Free |
Dormant Fees
On accounts with no deposit, withdrawal, or transfer activity:
| Fee | |
|---|---|
| Checking - 1 Year | $7.50 per month |
| Savings - 2 Years | $7.50 per month |
Funds Transfers
| Fee | |
|---|---|
| Mobile Banking | Free |
| Digital Banking | Free |
| Telephone (24-Hour Automated Line) | Free |
Miscellaneous Fees
| Fee | |
|---|---|
| Coin Sorting and Counting | Free |
Collections
| Fee | |
|---|---|
| Account (overdrawn closed) | $35 |
| Checks, Drafts & Foreign Items (min. + actual costs) | $35 to $95 |
| Canadian checks or drafts | $22 |
Copies
| Fee | |
|---|---|
| Copy of balance history | $1 |
| Copy of check (paid, deposited) | $2 |
| Copy of a statement | $5 |
| Copy of a 1098 and/or 1099 | $5 |
| Copy of debit card receipts | $25 |
| Other copies | $2 minimum |
Fax
| Fee | |
|---|---|
| Fax (in or out - per page) | $5 |
Garnishment & Levy Processing
| Fee | |
|---|---|
| Garnishment & Levy processing | $75 |
Night Deposit
| Fee | |
|---|---|
| Locking Depository Bag | $25 |
| Zipper Depository Bag | $5 |
| Night Depository Key Replacement | $5 |
Stop Payment Fee (including Renewals)
| Fee | |
|---|---|
| Checks | $35 |
| Automatic payments (ACH) | $35 |
| Money Orders | $35 |
| Bill Payments | $35 |
Pre-inked Endorsement Stamp
| Fee | |
|---|---|
| Pre-inked endorsement stamp (For Business Accounts Only) | $18 min., or actual cost |
Safe Deposit Boxes
Available at our Blue Ridge Location
| Fee | |
|---|---|
| 3 x 10 | $45 (annually) |
| 5 x 10 | $65 (annually) |
| 10x10 | $105 (annually) |
| Drilling Fee | $150 minimum |
| Lost Key Fee | $15 |
| Insufficient Funds for Annual Fee | $35 |
Wire Transfers
| Fee | |
|---|---|
| Incoming Wire | $15 |
| Outgoing Wire | $25 |
ATM & Debit Card Fees
| Fee | |
|---|---|
| First Federal, Money Pass and Allpoint ATMs | Free |
| ATM Service Charge (Non-First Federal ATMs) | May be subject to other bank service charges |
| Withdrawals and Balance Inquiries | $2.00 |
| Card Replacement | $7.50 |
| Rush Card Order | $35 |
| Foreign Service Fee (Cross Border Transactions) | up to 1.1% |
Bank Services
| Fee | |
|---|---|
| Deposit Verification of Payment | $10 |
| Medallion Guaranteed Signature | $10 per signature |
| Notary Services for First Federal Customers | Free |
| Notary Services for Non-First Federal Customers | $2 per signature |
| Research | $25 per hour, $5 min. |
| Statement Balancing | $25 per hour, $5 min. |
| Abandoned Account Research | $25 |
Checks
| Fee | |
|---|---|
| Cashier's Checks | $5 |
| Check Printing | Fee depends on style of check |
| Counter Check | $2 per sheet |
| Money Orders | $2 |
| On-Us Check Cashing (non-customers) | 1% of check, maximum $10 |
Debit Card Withdrawal Limit
| Limit | |
|---|---|
| Point of Sale (POS) | $3,000.00 per business day |
| ATM Withdrawal | $505.00 per business day |
Debit Card Deposit Limit
| Limit | |
|---|---|
| AllPoint ATMs - Cash Only | $1,000.00 per transaction |
| Money Pass ATMs | Deposits not available |
| ATMs owned and operated by FFBKC | Checks or Cash - no dollar amount limit |
