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First National Bank and Trust

Common Features

Effective August 1, 2019, the following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Product Fees

Item Amount
Account Balancing Assistance - per occurrence $15

Account Research - per hour $20
Bill Pay - monthly (free for total access customers or if you make 3 or more monthly payments using iPay) $5
Cashier's Checks $2.50 (1 free per month for Total Access Customers)
Check Printing fee depends on style of check ordered
Counter Checks 4/$1
Debit Card Replacement
Debit Card Re-Pin

Dormant Account Fee (An account is dormant if for 2 years there has been no deposits to or withdrawals from the account. The fee will be charged if the balance is less than $500.00)
$10 per month DDA & Savings
Employee Assisted Telephone Transfer
Fax - per page $1
IRA Annual Fee
IRA Transfer Fee $15
Levy and Garnishment Fee $50
Non-Customer Check Cashing - per item (No charge if check is drawn on us) $10

Non-Sufficient Funds Fee - per returned check order $10
Returned Item Fee - per returning item $35.00 (A $35.00 NSF fee will be charged for each check returned by the institution)
Overdraft Fee - per item paid $35 (Upon approval. An overdraft fee of $35.00 per item will be imposed. This fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. The total negative balance is due and payable upon demand with a maximum repayment of 30 days)
Copies of statements, checks, personal documents, etc $1 per page
Return Mail Fee - per item $5
Stop Payment Fee - per item $35 (1 free per month for Total Access customers)
Sweep Account Fee $5 per occurrence or $10 monthly fee unlimited
Wire Transfer Fee Domestic Outgoing $30
Wire Transfer Fee Domestic Incoming $10
Wire Transfer Fee International Outgoing $50
Wire Transfer Fee International Incoming $10

Safe Deposit Box

Size Annual Fee
2 x 5 $20
3 x 5
5 x 5
3 x 10
5 x 10
10 x 10
Lost safe deposit box key
$25 (per key)
Safe deposit box drilling