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 or Overdraft (OD) Fees created by check, in-person withdrawal, ATM withdrawal, or other electronic means. We assess a maximum of 3 insufficient or overdraft fees per day.
| Fee | |
|---|---|
| Insufficient Funds - Paid or Returned (item $10.01 or greater)¹ | $25 |
| Point of Sale/ATM Overdraft Fee (item $10.01 or greater)¹ | $25 |
| Savings Overdraft Protection (transfer from an FFB savings account) | $10 per transfer |
¹For returned items that are represented for payment, an insufficient funds - returned fee may be charged EACH time the item is presented when funds are insufficient and the item is returned, OR an insufficient funds - paid fee may be charged if the represented item is paid when funds are insufficient.
Statements
| Fee | |
|---|---|
| E-Statement (via Internet Banking) | Free |
| Paper Statement (via mail) | Free |
Dormant Accounts
On accounts with no customer initiated deposit, withdrawal, or transfer activity for period specified by product.
| 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 |
| Copy of balance history | $1 |
| Copy of check (paid, deposited items) | $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 Depository
| Fee | |
|---|---|
| Locking Depository bag | $25 |
| Zipper Depository bag | $5 |
| Night Depository key replacement | $5 |
Stop and Renewal Payments
| Fee | |
|---|---|
| Checks | $35 |
| Automatic payments (ACH) | $35 |
| Money Orders | $35 |
| Bill Payments | $35 |
Pre-inked Endorsement Stamp
| Fee | |
|---|---|
| Pre-inked endorsement stamp² | $18 min., or actual cost |
²For business accounts only.
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 & MoneyPass ATMs | Free |
| Foreign ATM Service Charge (Non-First Federal ATMs) Withdrawals and Balance Inquiries³ | $2.00 |
| Card Replacement | $7.50 |
| Rush Card Order | $35 |
| Foreign Service Fee (Cross Border Transactions) | up to 1.1% |
³May also be subject to other service charges.
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 Checks | $2 per sheet |
| Money Orders | $2 |
| On-Us Check Cashing (non-customers) | 1% of check, maximum $10 |
ATM & Debit Card Withdrawal Limit
| Limit | |
|---|---|
| Point of Sale (POS) | $3,000.00 per business day |
| ATM Withdrawal | $505.00 per business day |