Service Fee Schedule
Checking Accounts
All checking accounts include monthly electronic statements delivered through Online Banking at no charge. Paper statements sent by mail are available for $3.00 per month unless the requirements to waive the paper statement fee are met as outlined below.
| Min. opening balance | min. daily balance to avoid a maintenance service charge | monthly maintenance service charge | Req. to Waive Paper Statement Fee | |
|---|---|---|---|---|
| First Free Checking | $25 | N/A | $0 | $0 |
| Premier Interest Checking | $25 | $500 or direct deposit | $5 | $500 min. daily balance |
| GO Account¹ | $25 | $0 | $0 | $0 |
| DBA/Not for Profit Checking² | $100 | N/A | $0 | $400 daily balance OR $25,000 combined deposit balances |
| Business Checking² | $100 | N/A | $0 | $400 daily balance OR $25,000 combined deposit balances |
| Business Interest Checking² | $100 | $2,000 | $12 | $400 daily balance OR $25,000 combined deposit balances |
¹This account does not allow check writing.
²250 free transactions per statement, then $0.25 per item.
Savings Accounts
The First Savings Plus and the Premier Money Market accounts are only available to First Federal Bank checking customers. All savings accounts include monthly electronic statements delivered through Online Banking at no charge. Paper statements sent by mail are available for $3.00 per month unless the requirements to waive the paper statement fee are met as outlined below.
| Min. opening balance | min. daily balance to avoid a maintenance service charge | monthly maintenance service charge | Req. to Waive Paper Statement Fee | |
|---|---|---|---|---|
| First Savings Plus³ | $50 | $50 | $3 | Free |
| Statement Savings | $200 | $200 | $3 | $400 daily balance OR $25,000 combined deposit balances |
| GROW Savings Account³ | $25 | $0 | $0 | Free |
| Minor Savings⁴ | $25 | N/A | N/A | Free |
| Money Market Savings | $1,000 | $1,000 | $5 | $400 daily balance OR $25,000 combined deposit balances |
| Premier Money Market³ | $2,500 | $2,500 | $10 | $400 daily balance OR $25,000 combined deposit balances |
| Business Statement Savings | $200 | $200 | $3 | $400 daily balance OR $25,000 combined deposit balances |
| Business Money Market Savings | $2,500 | $2,500 | $10 | $400 daily balance OR $25,000 combined deposit balances |
³This account is only available in combination with a new or existing consumer checking account relationship.
⁴This account has age limitations and additional ownership requirements, see Truth-In-Savings Disclosure for details.
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:
| Fee | |
|---|---|
| Insufficient Funds - Paid (item $10.01 or greater)⁵ | $35 |
| Insufficient Funds - Returned (item $10.01 or greater)⁵ | $20 |
| Point of Sale/ATM Overdraft Fee | $35 |
| NSF/Uncollected Funds - Paid (item $10.01 or greater)⁵ | $35 |
| NSF/Uncollected Funds - Returned (item $10.01 or greater)⁵ | $20 |
| Overdraft Protection transaction (transfer from an FFB savings account) | $10 per transfer |
We assess a maximum of 3 insufficient, NSF or Overdraft (OD) fees per business day.
⁵For 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 Online Banking) | Free |
| Paper Statement (via Mail) | $3 per cycle* |
*Paper Statement fee waived on First Free Checking, GO Account, First Savings Plus, GROW Savings Account, and Minor Savings accounts.
Dormant Accounts
On accounts with no customer initiated deposit, withdrawal, or transfer activity for period specified by product.
| Fee | |
|---|---|
| Checking accounts - 1 year of no customer initiated account activity | $7.50 per month |
| Savings accounts - 2 years of no customer initiated account activity | $7.50 per month |
Funds Transfers
| Fee | |
|---|---|
| Online Banking | Free |
| Telephone (24-hr. automated line) | Free |
| Incoming Wire | $15 |
| Outgoing Wire (domestic only) | $25 |
Passbook Replacement
| Fee | |
|---|---|
| Passbook replacement charge | $5 |
ATM & Debit Card Fees
| Fee | |
|---|---|
| First Federal & MoneyPass ATMs | Free |
| Foreign ATM Service Charge (Non-First Federal ATMs) Withdrawals and Balance Inquiries^ | $2.00 |
| Card Replacement | $7.50 |
| Rush Card Order | $35 |
| Foreign Service Fee (Cross Border Transactions) | up to 1.1% |
^May also be subject to other service charges.
Bank Services
Deposit Verification of Payment
| Fee | |
|---|---|
| Deposit Verification of Payment | $10 |
Medallion Guarantee Signature
| Fee | |
|---|---|
| Medallion Guarantee Signature | $10 |
Notary Services
| Fee | |
|---|---|
| First Federal Customers | Free |
| Non-Customers | $2 per signature |
Account Research
| Fee | |
|---|---|
| Per Hour | $25 |
| Minimum | $5 |
| Abandoned account research | $25 |
Statement Balancing
| Fee | |
|---|---|
| Per hour | $25 |
| Minimum | $5 |
Miscellaneous Services
Checks
| Fee | |
|---|---|
| Personal Checks | Fee depends on style of checks |
| Cashier's Checks | $5 |
| Counter Checks | $2 per sheet |
| Money Orders | $2 |
| On-Us Check Cashing (non-customers) | 1% of check Maximum $10 |
Coin Counting
| Fee | |
|---|---|
| All Customers | Free |
Collections & Copies
| Fee | |
|---|---|
| Account (overdrawn closed) | $35 |
| Checks, Drafts & Foreign Items | $35-$95 (min. + actual costs) |
| 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 |
| Bill Payments | $35 |
| Money Orders | $35 |
Pre-inked Endorsement Stamp
| Fee | |
|---|---|
| Pre-inked endorsement stamp^ | $18 min., or actual cost |
^For 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 |