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Home / Personal / Tools & Resources / Schedule of Fees

Schedule of Fees

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Included here are both Personal and Business account fees. Also view our Rates.

These are our fees as of April 20, 2014.

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
Early withdrawal fee from Holiday Savings Club Account $10
Foreign checks processed (each) $10
Negative collected balance fee (business only) Fed funds + 6%
Set-up fee (one time only) for Health Savings Account
$10
Stop payments (each) for 6 months
$34
Stop payments (each) for 12 months
$45
Wire transfer

$12 Incoming
$22 Outgoing
$15 International incoming
$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.
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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. 
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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
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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
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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
Signature Guarantee (per document) $15
Statement copy (per statement) $3
Two signatures required ² $10 per month
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IRA Certificate of Deposit Fees

IRA transfer fee $30
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Loan Fees

Loan amortization schedule $3
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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.
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