Schedule of Fees

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

24/7 telephone and online banking with billpay Free
Account alerts¹ Free
Branch cash deposit (business only and excludes Small Business Checking) $0.10 per $100
Coin and currency services (business only) First $500 free, then $0.25 per $100
Deposited item returned unpaid $15
Disposable night deposit bag Cost
Foreign checks processed (each) $10
Negative collected balance fee (business only) Fed funds + 6%
Stop payments (each) for six months $34
Stop payments (each) for twelve months $45
Wire transfer - incoming $15
Wire transfer - outgoing $30
Wire transfer - international incoming $18
Wire transfer - international outgoing $50
Wire transfer - fax notification $2
Wire transfer - paper notification $5

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.

The earnings credit allowance for the Business Checking Account may be used to offset these account activity fees.

Checking overdraft automatic transfer fee from Savings (excluding Premium Account) $10/daily transfer
Paid Overdraft Fee or Returned NSF Item Fee $34 (items over $20) - $10 (items less than or equal to $20)
Continuous Overdraft Fee $7 after the 5th business day and $7 each business day thereafter, if the account remains overdrawn

For fees related to a specific product, please see that product's webpage.

No Overdraft/Returned NSF Item 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/Returned NSF items per day is five, no matter how many items we pay/return. No limit for business accounts.  

43,000 surcharge-free Allpoint nationwide ATMs1 Free
ATM/Debit Card1 Free
Replacement of lost ATM/Debit Card $5
Withdrawal and/or transfer transaction at Non-FSB or Allpoint ATM2 (each) $2

For fees related to a specific product, please see that product's webpage.

1. 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.

2. You may also be charged a fee by the ATM owner.

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

For fees related to a specific product, please see that product's webpage.

Requires automatic payment from a First State Bank account.

Account closed (within 180 days of opening) $25
Account research or reconciliation $30 per hour
Cashier's checks $8
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
Foreign currency (sales and purchases) $15
Gift cards - MasterCard® $3
Levies or garnishments $100
Loose coin (subject to count) $.05 per one dollar 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) $5
Two signatures required1 $10 per month

For fees related to a specific product, please see that product's webpage.

1. No longer available. Applicable to existing two-signature accounts only.

IRA transfer fee $30

For fees related to a specific product, please see that product's webpage.

Loan amortization schedule $3

For fees related to a specific product, please see that product's webpage.