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Service Charges & Fees

NOW/MONEYMARKET/DEMAND ACCOUNT CHECKING FEES

Charge for Insufficient Funds (Check & ACH)$25.00 Per Item
Returned Check Charge $25.00 Per Item
Stop Payment $10.00
Research $15.00 Per Hour
Reconciliation$15.00 Per Hour
NOW Account Monthly Service Charge (Average Balance Below $100.00) $5.00 Per Month
Inactive NOW Accounts
(One Year)
$1.00 Per Month
Check Orders
(Account will automatically be charged for checks ordered from us)
Fee based on style of checks ordered
Overdraft Protection Transfer $3.00 Per Withdrawal

SAVINGS ACCOUNT FEES

Lost Passbook $5.00
Inactive Savings Account
(One Year)
$1.00 Per Month
Overdraft Protection Transfer$3.00 per transfer

ONLINE BANKING / BILL PAYMENT FEES

Online Banking ServiceFree
Bill Payment for accounts without Payroll/ Retirement Direct Deposit-Free for the first 3 months, $4.00 per statement period thereafter (up to 10 bill payments) Additional bill payments $0.55 each per statement period.
Bill Payment for accounts with Payoll/Retirement Direct Deposit & a Debit Card.Free for the first 3 months, $2.00 per statement period thereafter (up to 10 bill payments) Additional bill payments $0.55 each per statement period.
Bill Payment fees for all accounts will be deducted automatically from your Bill Payment account.In the event you wish to cancel the Bill Pay service, you may be able to do so through the product, or you may contact us by phone or in writing. There are no refunds for partial months.

MISCELLANEOUS FEES

Wire Transfers Incoming $2.00 Outgoing $10.00 to $40.00 Per Item
Money Order (one free per day per withdrawal) $1.00
Reissue Treasurer Check or Money Order $15.00
Notary Service / Signature Guarantee (For Customers) FREE
Safe Deposit Box Cost Based on Size
Safe Deposit Box Key Replacement$35.00
Safe Deposit Box Drilling Cost Plus$25.00
Safe Deposit Box Late Charge $1.50 Per Month
Night Deposit BagsFREE
MasterMoney/ATM Card Replacement$5.00
First Federal Customer ATM/POS Cards FREE
Non-Customer Cards (Per Transaction) $1.50
Insufficient Funds Charge $25.00
Photocopies $0.25
Check Cashing (Non-Customer/ Local Payroll Only) $2.00