Fees & Transaction Limitations
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
The following services are not available to non-customers unless otherwise indicated.
| Account Activity Printout-Snap-Shot Statement | $3.00 per account |
| Account Balancing Fee | $25.00 per hour (1 hour minimum) |
| Account Closing Fee | $20.00 within 180 days |
| ACH File Origination
Commercial Customers Only |
$10.00 per file Plus $.15 each transaction |
| ACH Return Item | $10.00 each |
| Account Research | $25.00 per hour (1 hour minimum)
Plus photocopying fees |
| Automatic Funds Transfer
Between Accounts at FNBNWFL |
$5.00 per transfer |
| Bank to Bank (B2B) – Remote Account Transfer
Transfer between your accounts at different financial institutions |
$2.00 per transfer |
| BillPay – Regular Delivery Payment | Free |
| Same Day Electronic Payment Option | $5.95 per payment |
| Expedited Paper Payment Delivery Option | $25.95 per payment |
| Canadian/Foreign Item Processing Fee | $25.00 per item |
| Cashier’s Checks | $5.00 each |
| Chargeback Item Fee-Returned Deposited Item | $4.00 per item |
| Check Cashing (On-Us Checks) | Free for customers |
| Check Printing | (fee depends on style and quantity of check ordered) |
| Coin Processing | $2.00 per $100.00, $2.00 minimum |
| Counter Checks/Temporary Checks/Deposit Tickets – Until Check Order Received | $3.00 per 12 |
| Debit Card Replacement
Expedited Debit Card Replacement |
$5.00 per card
Vendor Cost |
| 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, 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. A deposit or savings account is dormant after one (1) year and a Certificate of Deposit (CD) accounts become dormant after four (4) years. | |
| Fax | |
| Customer | Free |
| Non-Customer | $2.00 per page |
| Legal Process Fee: | |
| Writs, Levies, Garnishments, etc. | $75.00 per notice |
| MICR Reject Fee | $.25 per item |
| Night Drop- | |
| Locking Bag | $30.00 each |
| Zipper Bag | $5.00 each |
| Notary Service | |
| Customer | Free |
| Non-Customer | $10.00 per signature |
| *NSF – Insufficient Funds (Returned) The NSF (insufficient funds) fee is charged each time we return a check or other item drawn on your account against insufficient funds. |
$30.00 per item. |
| *Overdraft Fee (Paid) The Overdraft fee is charged each time we pay a check or other item drawn on your account against insufficient funds |
$30.00 per item with a maximum of 5 charged per day. |
| Photocopy | $3.00 per page |
| Photocopying Image Statements | $3.00 per page |
| Return/Undeliverable Mail Fee | $3.00 per month/cycle |
| 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 per key |
| Drilling Fee | Actual Vendor Cost |
| Statements | |
| Electronic Statements | Free |
| Paper Statements | $3.00 per statement cycle |
| Stop Payment | $30.00 |
| (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 |
| Wire Transfers – Domestic | |
| Incoming | $10.00 |
| Outgoing | $15.00 |
| Wire Transfer Trace – Domestic | $20.00 |
| Wire Transfers – International | |
| Incoming | $15.00 plus correspondent bank fee |
| Outgoing | $15.00 plus correspondent bank fee |
| Wire Transfer Trace – International | $75.00 |
| 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. 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 early withdrawal. | |
| *Overdraft and NSF charges apply to overdrafts or insufficient funds created by the presentment for payment of checks, in person withdrawals, or other electronic means, as applicable. A representment NSF fee may occur when a merchant attempts to present the same transaction again to obtain the declined funds. Re-presentments for the same item (payment) will not be charged additional NSF fees. | |