Schedule of Charges
Fees effective as of March 9, 2022
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.
ATM
| 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 |
$30.00 per month includes 5 ACH file originations (see cash management contract for more details) |
| Cash Management Lite |
$10.00 per month includes 4 ACH file originations (see cash management contract for more details) |
| Remote Deposit capture |
$50.00 per month |
Debit Card / Gift Card
All VISA Debit Cards have a $3000 daily POS limit and $500 daily ATM cash withdrawal limit
| Item |
Fee |
| VISA Debit Card Customized Instant Issue |
$5.00 |
| VISA Debit Card Instant Issue |
No Charge – Bank Stock with TX Flag Logo
|
| VISA Debit Card Purchases |
No Charge |
| VISA Debit Card Replacement |
$5.00 |
| VISA Gift Card |
$5.00 to activate |
Miscellaneous
| Type |
Fee |
| Account Activity Printout |
$3.00 |
| Account Research |
$20.00 per hour (one hour minimum) |
| Account Agreement Mail Fee |
$15.00 per copy |
| Cashier’s Checks |
$3.00 |
| Check Printing |
(fee depends on style of check ordered) |
| Collection Sent |
$10.00 |
| Early Closure of Account (within six months of opening) |
$20.00 |
| Executions |
$100.00 |
| Fax Research |
Local-No Charge / Long Distance-$3.00 each occurrence |
| Garnishments |
$100.00 |
| Levies |
$100.00 |
| Medallion Stamp |
$15.00 |
| Money Orders |
$2.00 |
| Multiple Account Changes in One Year |
$15.00 (one free per year) |
| Non – MICR checks presented for processing |
$1.00 each |
| Photocopies |
$0.10 each |
| Securities Purchased |
$100.00 per purchase |
| Telephone Inquiry (in excess of three per month) |
$1.00 each |
| Zipper Bags |
$3.00 |
Overdraft
| Item |
Fee |
| Charge Back - (Deposited Item Returned) |
$5.00 each |
| Non – Sufficient Funds (NSF)-Imposed when checks, transfers or items presented by electronic means are returned unpaid. |
$25.00 each |
| Overdraft-Per each overdraft paid created by checks, transfers, inperson withdrawals, ATM withdrawals, or by other electronic means. |
$35.00 each |
Online Banking
| Item |
Fee |
| Mobile Banking |
No Charge |
| Online Banking |
No Charge |
| Online Bill Payment |
No Charge |
| Online Bill Payment – Overnight Delivery |
$20.00 per item |
| Mobile Deposit |
No more than 5 checks deposited daily and no more than 10 checks deposited within 5 consecutive days. No more than $7,500 check deposits daily and no more than $15,000 check deposits within 5 consecutive days. |
| People Pay |
$2,000 daily limit |
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 |
Statements
| Item |
Fee |
| Statement Copy |
$3.00 each |
| Web CD |
$5.00 each |
| Statement Extra Interim (Snapshot) |
$3.00 |
| Statement Reconcilement |
$20 per hour (one hour minimum) |
Stop Payments
| Item |
Fee |
| Stop Payments – ACH Payments |
$25.00 |
| Stop Payments – Check, other items |
$25.00 |
Transfers
| Item |
Fee |
| ACH Origination (ACH Loan Payment) |
No Charge |
| Automatic Transfer |
No Charge |
| Dynamic Transfer of Funds Between FNB Accounts |
$1.00 per transfer |
Wire Transfers
| Item |
Fee |
| Wire Transfer – Domestic |
Incoming $15.00 / Outgoing $15.00 |
| Wire Transfer – Foreign |
Incoming $50.00 / Outgoing $50.00 |