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Schedule of Charges

Fees effective as of January 1, 2024

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


Item Fee
ATM – FNB Cash Withdrawal No Charge
ATM – Non - FNB Cash Withdrawal $2.00

Business Accounts

Item Fee
Account Analysis Based on transaction history
Cash Management with Bill Pay, ACH and / or Wire $35.00 per month (see cash management contract for more details)
Cash Management Lite $10.00 per month (see cash management contract for more details)
Remote Deposit Capture $50.00 per month

Debit Card / Gift Card

Item Fee
VISA Debit Card Customized Instant Issue $5.00
VISA Debit Card Replacement $5.00
VISA Gift Card $5.00 to activate


Type Fee
Account Research / Statement Research $20.00 per hour (one hour minimum)
Cashier’s Checks $5.00
Check Orders (fee depends on style of check ordered)
Collection Sent $25.00 plus postage costs
Early Closure of Account (within six months of opening) $20.00
Dormant Account Fee (DDA / NOW) $5.00 per month
Garnishments / Levies / Executions $100.00
Medallion Stamp $25.00
Money Orders $3.00
Securities Purchased $100.00 per purchase


Item Fee
Non – Sufficient Funds (NSF) - Imposed when checks, transfers or items presented by electronic means are returned unpaid. $25.00 each
Overdraft - Per overdraft paid created by checks, transfers, in-person withdrawals, ATM withdrawals, or by other electronic means. $35.00 each

Online Banking

Item Fee
Online Bill Payment – Overnight Delivery $20.00 per item
Bill Pay Credit Return Fee $25.00 per item

Safe Deposit Boxes

Item Fee
3x5x2 $25.00 annually
5x5x2 $35.00 annually
3x10x2 $45.00 annually
5x10x22 $70.00 annually
10x10x22 $125.00 annually


Item Fee
Web CD $5.00 each

Stop Payments

Item Fee
Stop Payments – ACH Payments $25.00 each
Stop Payments – Check, other items $25.00 each

Wire Transfers

Item Fee
Wire Transfer – Domestic Incoming $15.00 / Outgoing $15.00
Wire Transfer – Foreign Incoming $50.00 / Outgoing $50.00


Main Office

101 E. Bridge St.
Granbury, TX 76048

(817) 573-2655
Toll Free (800) 447-1688

FDIC Equal Housing Lender

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