Online Banking

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Common Features

Effective April, 2014, the following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Check printing………………………………….…………..………...…(fee depends on style of check ordered)

Cashier’s Checks (one free per month to TOTAL ACCESS customers)………………..…...…..…..…. $5.00

Incoming wire transfer…………………………………………………………………………………....…...$10.00

Domestic wire transfer ………………………………………………………………....……………………..$30.00

International wire transfer……………………………………………………………….......………………..$50.00

Overdraft-Fee per item paid…………………………………………………………......………...........….$30.00**

Returned Item Fee-per returning item……………………………………....……………...................…$30.00***

Nonsufficient funds–per returning check order……………………………………..................…………..$10.00

Return Deposit Item Fee (Personal Account)…………………………………....................…….$2.00 per item

Return Deposit Item Fee (Business Account)……………………………....................………….$5.00 per item

Account research……………………………………………………………....…………………….$10.00 per hour

Dormant Accounts (Savings & Checking)……………………………........................……S10.00 per month****

IRA Transfer Fee……………………………………………………………………………………..…………$15.00

Online Bill Pay……………………………………………………………………………………………….……$5.00

Free when 3 or more monthly payments are made using

FNB& Trust’s Bill Pay service or if a Total Access checking customer

Account balancing assistance……………………………………………………….....……………………..$10.00

Stop payments-per item (one free per month to TOTAL ACCESS

customers)………………………………………………………………………………………………...…….$35.00

Debit Card Replacement – each add ’l card………………………………………………………….........…$5.00

Photocopies……………………………………………………………………………………………$1.00 per page

Faxes…………………………………………………………………………………………….…..…$1.00 per page

Return Mail Fee……………………………………………………………………………………...…………...$5.00

Non customer check cashing per item……………………………………………………………….........…$10.00

Non customer Notary service……………………………………………………………………….....………$10.00

Levy and Garnishment Fee…………………………………………………………….......…….…$25.00 per item

Safe Deposit Box…………………………………………………………………………………...……..Annual Fee

2 x 5……………………………………………………………………………………………………...……….$20.00

3 x 5………………………………………………………………………………………………………...…….$25.00

5 x 5…………………………………………………………………………………………………………...….$30.00

5 x 10……………………………………………………………………………………………………………..$40.00

10 x 10……………………………………………………………………………………………………….…...$60.00

Lost safe deposit box key………………………………………………………………………….......25.00 per key

Safe deposit box drilling……………………………………………………………………………………....$150.00


**Upon approval. An overdraft fee of $30.00 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 period of 30 days.
 

***A $30.00 NSF charge fee will be charged for each check returned by the institution.
 

****An account is dormant if for two years there have been no deposits or withdrawals to the account. The fee will be charged if the balance of the account is less than $500.00.