Account Activity Printout

$5.00 per account

Account Balancing Fee

$25.00 per hour

(1 hour minimum)

Account Closing Fee

$20.00 within 180 days

ACH File Origination

$20.00 per file

Plus $1.00 each transaction

Account Research

$25.00 per hour (1 hour minimum)

Plus photocopying fees

ATM Network Fee - (per transaction at non-First National Bank NWFL ATMs)

Free

ATM Network Fee - (non-customers)

$2.00 each

ATM Replacement Cards

$5.00 per card

Automatic Funds Transfer

$5.00 per transfer

Bond Coupon Collection

$15.00 each

Cashier’s Checks

$5.00 each

Chargeback Item Fee

$4.00 per item

Check Cashing (On-Us Checks)

Free for customers

Check Printing

(fee depends on style and quantity of check ordered)

Collection Items

    Domestic

$20.00 per item

    Foreign

$30.00 per item

    Foreign Trace

$40.00 per item

Counter Checks/Temporary Checks

$3.00 per 10

Dormant Account Charge

$10.00 per month

An account is dormant if for one year from the date of last activity or date of last contact, whichever is greater (for checking accounts), or five years from the date of last activity or date of last contact, whichever is greater (for savings and time deposits), no withdrawals or deposits, other than credited interest, have been made to the account and we have received no communication or contact from you about the account or any of your accounts.

Fax

     Customer

Free

     Non-Customer

$2.00 per page

Hold Mail Fee

$3.00 per statement cycle

Insufficient Funds (Returned or Paid)

$30.00 per item

Legal Process Fee:

     Writs, Levies, Garnishments, etc.

$75.00 per notice

MICR Reject Fee

$.25 per item

Money Orders

$4.00 per item

Night Drop-

     Locking Bag

$30.00 each

     Zipper Bag

$5.00 each

Notary Service

     Customer

Free

     Non-Customer

$10.00 per signature

Overdraft Item Fee

$30.00 per item

The categories of transactions for which an overdraft fee may be imposed are those by any of the following means:  check, in-person withdrawal, ATM withdrawal, or other electronic means.

Photocopy

$3.00 per page

Photocopying Image Statements

$5.00 per page

Return/Undeliverable Mail Fee

$3.00 per month

SAFE DEPOSIT BOXES

3 X 5

$30.00 per year

3 X 10

$45.00 per year

5 X 10

$65.00 per year

10 X 10

$115.00 per year

Lost Key Replacement

$10.00

Drilling Fee

Actual Cost

Sight Drafts

$20.00 each

Stop Payment Fee

$30.00 per item or per range of checks

(Stop payment cutoff time is 10:00 a.m. CT on the next banking day on which we receive the check)

Telephone Transfers

$5.00 per transfer

Traveler’s Money Card

Issue Card Fee

$10.00 each

Reload Card Fee

$6.00 each

Secondary Card Fee

$3.00 each

Wire Transfers - Domestic

Incoming

Free

Outgoing

$15.00 each

Wire Transfer Trace - Domestic

$20.00 each

Wire Transfers - International

Incoming

$15.00 each

Outgoing

$15.00 each plus correspondent bank fee

Wire Transfer Trace - International

$75.00 each

We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.  Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.  See your notice of penalty for each early withdrawal.