Schedule of Fees
version 2025.12.5
Account Closing w/First Option (Excluding Freedom Checking) - $30.00
(within 90 days of account opening)
ATMs (per transaction)
FFB - Free
Non-FFB ATM - $1. 00
(Global Checking, First 20/Statement Cycle are free)
International ATM exchange - 2%
Debit Card Replacement (Card Reorder) - $5.00
Debit Card Expedited Replacement - $5.00 + shipping
Check Printing - vary by style of checks ordered
Demand Deposit Marketplace - $70.00
Dormant Checking Account (per month-excluding Freedom Checking) - $10.00
Dormant Savings Account (per quarter) - $10.00
Garnishment/Levy (per instance) - $70.00
Interbank Transfers (outgoing) - $4.00
(incoming) - FREE
Insufficient Funds (return item-max of 5 total (OD/NSF) fees per day)
Consumer:
Per Presentment (Excluding Freedom Checking) - $12.50
Per Presentment(resulting in a negative $5.00 balance or less) - FREE
Per Presentment (item amount of $5 or less) - FREE
Business:
Per Presentment - $33.00
Overdraft (paid item- max of five (5) total (OD/NSF) fees per day)
Consumer:
Per Presentment (Excluding Freedom Checking) - $25.00
Per Presentment(resulting in a negative $5.00 balance or less) - FREE
Per Presentment (item amount of $5 or less) - FREE
Business:
Per Presentment - $33.00
7 Day Overdraft Processing Fee (one-time per occurrence) - $25.00
(assessed after 7 consecutive calendar days)
IRA Closing - $35.00
IRA Transfer - $35.00
Paper Statement
Consumer:
Per Cycle (See Excluded Accounts Below) - $3.00
Freedom, Freestyle & Global Checking Accounts - Not Available
Traditional Checking - FREE
Business:
Per Cycle - $3.00
Return Check/Chargeback
Consumer - FREE
Business - $7.00
Statement Printout (without images) - $3.00
Stop Payment - $33.00
Temporary Checks (10 per request) - $3.00
Domestic Wire Transfer (cut off 2:30 p.m. CST, 1:30 p.m. MST)
Incoming - $12.00
Outgoing - $25.00
Incoming & Outgoing Non-Client - Not Available
Incoming Wire Notification or Special Handling - $10.00
International Wire Transfer (cut off 12:00 p.m. CST, 11:30 a.m. MST)
Incoming - $20.00
Outgoing Consumer - $75.00
Outgoing Business - $45.00
Tracer or Recall - $35.00
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