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The First National Bank
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Schedule of Fees

Effective January 1, 2014

The Following Fee May Apply Fees
Account Balancing Assistance (per hour) $20
Account Research (per hour) $20
Amortization Schedule $7.99
ATM Card, Debit Card or Credit Card Replacement $7.99
ATM Card, Debit Card or Credit Card PIN Replacement $6.00
Bank Bags - Lock $24.99
Bank Bags - Zipper $7.99
Cashiers Checks $5
Check Cashing (non-customer) No charge
Cashing Checks Drawn on this Bank No charge
Check Printing Fee depends on style of checks ordered
Check Printing for Golden Years and First Choice Club No charge
Christmas Club Withdrawal Fee $20
Collection (Outgoing or Incoming) $20
Copies $1 per page
Copies of a check or statement $1 per page
Deposit Checks (and other items returned unpaid) $7.50
Executions $20
Fax - Outgoing (per page) $5
Fax - Incoming (per page) $1
Garnishments $75
Holds (all items) $30
Levies $75
Money Orders $3
Non-sufficient Funds (Overdraft fees may apply to overdrafts created by check, in person withdrawals, ATM withdrawals or other electronic means.) $36 per item
Notary $5
Overdraft (Overdraft fees may apply to overdrafts created by check, in person withdrawals, ATM withdrawals or other electronic means.) $36 per item
Overdraft Protection Transfer (authorization required) **See additional explanation below $7.50
Signature Guarantee $20
Statement on CD (monthly) $10 per month
Statement on CD (other than monthly) $25
Stop Payments $35 per item
Temporary Checks (3 free) $.25
Wire Transfers (customer incoming) No charge
Wire Transfers (customer outgoing) $25
Wire Transfers (non-customer) $30
Wire Transfers (outgoing international) $60

** We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. However, if you maintain your account in good standing defined as: A) making regular deposits; B) bringing your account to a positive end-of-day balance every 30 days or less; and C) there are no legal orders outstanding, we will approve your reasonable overdrafts as a non-contractual courtesy. We will approve an overdraft for you in an amount for the type of account that you have opened. This limit includes our non-sufficient funds and/or overdraft (NSF/OD) charges of $36.00 per item. Accounts must be open for more than 30 days with regular deposits made. However, the overdrawn account must be brought to a positive balance within 30 days to avoid revoking the overdraft privilege. At the banks discretion, we may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you. Overdraft fees may apply to overdrafts created by check, in person withdrawals, ATM withdrawals or other electronic means.