Included here are both Personal and Business account fees. Also view our
Rates.
These are our fees as of May 18, 2013.
Checking and Savings Activity Account Fees
| 24/7 telephone and online banking with billpay |
Free |
| Account alerts¹ |
Free |
| Branch cash deposit processing (business only and excludes Small Business Checking) |
$0.10 per $100 |
| CD Rom-monthly (business only) |
$20 |
| CD Rom-annual (business only) |
$50 |
| Coin and currency services-first $500 free (business only) |
$0.25 per $100 |
| Deposited item returned unpaid |
$12 |
| Disposable night deposit bag |
Cost |
| Foreign checks processed (each) |
$10 |
| Negative collected balance fee (business only) |
Fed funds + 6% |
Stop payments (each) for 6 months
|
$34 |
Stop payments (each) for 12 months
|
$45 |
| Wire transfer |
$15 Incoming
$22 Outgoing
$45 International outgoing
$2 Fax notification
$5 Paper notification |
The earnings credit allowance for the Business Checking Account may be used to offset these account activity fees.
|
Overdraft Fees
Checking overdraft automatic transfer fee from Savings (excluding Premium Account)
|
$10/daily transfer |
| Continuous overdrawn checking account fee |
$7 (after 5 days and $7 per day thereafter) |
Overdraft Paid/NSF/Uncollected Funds item over $20
|
$34 |
Overdraft Paid/NSF/Uncollected Funds item less than or equal to $20
|
$10 |
No Overdraft/NSF/Uncollected Funds Fee if total overdrawn balance is less than or equal to $5. No continuous overdraft fee when total overdrawn balance is less than or equal to $5.
|
Personal accounts only: Maximum number of Overdraft/NSF/Uncollected Funds Fees charged per day is five, no matter how many items we pay/return. No limit for business accounts.
|
ATM/Debit Card Fees
| 43,000 surcharge-free Allpoint nationwide ATMs³ |
Free |
| ATM/Debit Card³ |
Free |
| Replacement of lost ATM/Debit Card |
$5
|
| Withdrawal and/or transfer transaction at Non-FSB or Allpoint ATM4 (each) |
$2.00 |
Safe Deposit Box Fees5
Requires automatic payment from a First State Bank account.
| 2 ½ x 5 |
$40 |
| 3 x 5 |
$45 |
| 5 x 5 |
$55 |
| 3 x 10 |
$65 |
| 5 x 10 |
$80 |
| 7 x 10 |
$90 |
| 10 x 10 |
$140 |
| 10 x 15 |
$150 |
| 15 x 30 |
$310 |
| 16 x 32 |
$320 |
| Deposit on two keys |
$10 |
| Late payment charge |
10% of annual rent (one month grace period) |
| Lost vault keys |
$15 |
| Vault box exchange |
$10 |
| Vault drilling |
$125 – next scheduled drilling
$225 – upon request |
Miscellaneous Services and Fees
| Account closed (within 180 days of opening) |
$25 |
| Account research or reconciliation |
$30 per hour |
| Cashier's checks |
$5 |
| Certify U.S. Savings bonds (per bond, postage not included) |
$0.25 |
| Check printing and endorsement stamps |
Fees vary and depend on the style ordered |
| Collections processed |
$20 |
| Copy of check |
$5 |
| Counter checks |
$1 |
| Customer service/branch assisted inquiry or balance transfer (each) |
$3 |
| Gift Cards – MasterCard® |
$3 |
| Inactive checking account fee per month6 |
$5 |
| Inactive savings account fee per month7 |
$5 |
| Levies or garnishments |
$100 |
| Loose Coin (subject to count) |
5 cents per $1 counted |
| Non-customer check cashing |
$8 |
Non-customer notary fee
|
$10 |
| Photocopies (per copy) |
$0.50 |
| Purchase, sale or transfer of bonds or stocks |
$75 (plus broker’s fee) |
| Rejected check fee (non bank approved printing vendor) |
$3 |
| Returned mail fee (per returned statement with incorrect address) |
$5 |
| Statement copy (per statement) |
$3 |
| Two signatures required ² |
$10 per month |
IRA Certificate of Deposit Fees
Back to TopLoan Fees
| Loan amortization schedule |
$3 |
For fees related to a specific product, please see that product's webpage.
¹ While account alerts are a free service, your phone provider may charge for text messages
² No longer available, applicable to existing two-signature accounts only
³ If we allow you to overdraw your account by use of your FSB ATM/Debit Card, applicable fees are charged for those overdrafts in addition to the amount overdrawn.
4 You may also be charged a fee by the ATM owner
5 Safe deposit boxes not available at First State Bank Kelly Branch, located at 22711 Kelly Road, Eastpointe, MI
6 No customer initiated transactions in 180 days, excludes Premium Account.
7 No customer initiated transactions in 730 days and balance is below $500, excludes Minor Savings Account.