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SERVICE CHARGES AND FEES

NOW/MONEYMARKET/DEMAND ACCOUNT CHECKING FEES

Charge for Insufficient Funds (Check, ACH, ATM, MasterMoney) $15.00 Per Item

Returned Check Charge $15.00 Per Item

Stop Payment $10.00

Research $15.00 Per Hour

Reconciliation $15.00 Per Hour

NOW Account Monthly Service Charge (Average Balance Below $100.00) $5.00 Per Month

Inactive NOW Accounts (One Year) $1.00 Per Month

Check Orders (Account will automatically be charged for checks ordered from us) Fee based on style of checks ordered

Overdraft Protection Transfer $3.00 Per Withdrawal

SAVINGS ACCOUNT FEES

Lost Passbook $5.00

Inactive Savings Account (One Year) $1.00 Per Month

Overdraft Protection Transfer $3.00 Per Withdrawal

ONLINE BANKING / BILL PAYMENT FEES

Online Banking Service Free
Bill Payment for accounts without Payroll/ Retirement Direct Deposit-
Free for the first 3 months, $4.00 per statement period thereafter (up to 10 bill payments) Additional bill payments $0.55 each per statement period.
Bill Payment for accounts with Payroll/Retirement Direct Deposit and FFS debit card-
Free for the first 3 months, $2.00 per statement period thereafter (up to 10 bill payments) Additional bill payments $0.55 each per statement period.
Bill Payment fees for all accounts will be deducted automatically from your Bill Payment account.
In the event you wish to cancel the Bill Pay service, you may be able to do so through the product, or you may contact us by phone or in writing. There are no refunds for partial months.

MISCELLANEOUS FEES

Wire Transfers Incoming $2.00 Outgoing $10.00

Treasurer Check (one free per day per withdrawal) $2.00

Money Order (one free per day per withdrawal) $1.00

Reissue Treasurer Check or Money Order $15.00

Notary Service / Signature Guarantee (For Customers) FREE

Safe Deposit Box Cost Based on Size

Safe Deposit Box Key Replacement $35.00

Safe Deposit Box Drilling Cost Plus $25.00

Safe Deposit Box Late Charge $1.50 Per Month

Night Deposit Bags FREE

MasterMoney/ATM Card Replacement $5.00

First Federal Customer ATM/POS Cards FREE

Non-Customer Cards (Per Transaction) $1.50

Insufficient Funds Charge $15.00

Photocopies $0.25

Check Cashing (Non-Customer/ Local Payroll Only) $2.00