General Fees

1st Online Set-up FREE
Account Closing (if within 90 days of opening) $5
Amortization Schedule $5
ATM/POS Overdrawn Fee (transaction resulting from non-sufficient balance) $30
Check Cashing Service $5
Check Printing Varies
Coin Counting 3% or 5%
Credit Card Rush Replacement Actual Cost
Express Check Weekday - $10.50 / Saturday - $17.50
Fax (per page) $3
Federal Express Mail Weekday - $10.50 / Saturday - $17.50
Inactive Accounts (per month) $5
Inactive Bill Pay (no bills paid last 90 days) $2.00/mo
Incorrect Address (over 30 days) $5
Levies, Garnishments, Attachments $50
Online Bill Pay Service FREE
Overdraft (Savings or Loan) $4
Paid Items (as a courtesy) $30
Per ATM Deposit Discrepancy $5
Per Check Reject (error from any non-endorsed check printer) $1
Per Collection of Foreign Items $10
Per Commercial Money Order Actual Cost
Per Domestic Wire Transfer $15
Per Hour Balance Assistance (first time free) $15
Per Interim Statement $5
Per International Wire $35
Per Returned Deposit Item Less of $30 or check amount
Per Returned Item $30
Per Stop Payment $20
Research (per hour - 1 hour minimum) $15
Safe Deposit Box Rental Standard fees
Temporary Check Pack $5
Visa Gift Cards $3.95
Visa International Transaction (1% Visa assessed, 1% processing charge) 2% of transaction amount

Partnership Level Fee Schedule

Partnership Level Level 1 (High) Level 2 (Mid) Level 3 (Basic)
Loan Rate Discounts Yes Yes ----
Certificate Bonus Rates Yes Yes ----
Identity Theft Protection FREE Optional Optional
1st Online (Online Banking) FREE FREE FREE
$3000 Accidental Death & Dismemberment Insurance FREE FREE FREE
Auto Blue Book Valuations FREE FREE FREE
FICO Credit Score Consultation FREE FREE FREE
Online Bill Pay FREE FREE FREE
Discounted Prescription Drug Card FREE FREE FREE
ATM withdrawals, over 6/month (for savings only & HSA members only) No Charge $1.00 $2.00
ATM Balance Inquiry Fee (per inquiry): No Charge $.25 $.50
Amortization Schedule No Charge $3.00 $5.00
Cashiers Check Charge No Charge $3.00 $5.00
Check Cashing Charge No Charge $3.00 $5.00
Coin Counting (3% for $250-$1000, 5% for $1000+) No Charge 3% or 5% 3% or 5%
Copy of Statement, Tax Info, Check/Draft, Credit Card Sales Slip No Charge $3.00 $5.00
Credit Card Replacement No Charge No Charge No Charge
Credit Card RUSH Replacement: 3-Day = $15, Next-day = $35, International = $65
Fax (per page) No Charge $2.00 $3.00
Incorrect Address (over 30 days) No Charge $3.00 $5.00
Per Card/PIN Reissue (ATM, 1st Online) No Charge No Charge No Charge
Per Interim Statement No Charge $2.00 $5.00
Research (per hour, 1 hour minimum) No Charge $15.00 $15.00
Temporary Check Pack No Charge $3.00 $5.00
Personal Checking Accounts
ATM Withdrawals (over 5/mo - 1st Rewards Checking) No Charge $1.00/ea $2.00/ea
ATM Withdrawals, over 6/mo (Classic 1st, Premium 1st and SafeGuard Checking) No Charge $1.00/ea $2.00/ea
Below $5,000 Minimum Balance (Premium 1st Checking - S28) No Charge $3.75/month $7.50/month
Overdraft from Savings, Creditline, Creditline Premier or Visa No Charge $3.00 $5.00

There is no charge for cashiers or counter checks if made payable to the government or to the member. Ask for a complete copy of our check cashing policy for specifics and exceptions. Most fees based on per occurrence or per month. Privilege Pay loans do not qualify as loans for determining Partnership Levels. Loan discounts are lost if moving to another tier with different discount. Must qualify for loan rate discount before disbursement. Organizations, accounts with a negative balance write off, charged off loan, chapter 7 or 13 and accounts with a loan delinquent 25 or more days are assigned to Level 3. Direct deposit or payroll must be via ACH. Review our share disclosure for account details. Annual Percentage Yield for certificates assumes monthly compounding when yield different from rate. Information based on fixed rate investments and early withdrawal penalty applies. Some services such as identity theft protection and accidental death & dismemberment insurance require a sign up form. Inactive members are classified as having no account activity for six months or more, no checking account, no open loan (regular or credit card), no investment, and total deposits of less than $500.