Fees are effective as of August 1, 2017

Safe Deposit Boxes
(Annual Rental)
3" x 5"
3" x 10"
5" x 10"
10" x 10"
$35.00
$50.00
$75.00
$125.00

Replace Lost Key
$10.00*
*If both keys are lost, the box must be drilled open at a cost determined at opening.
Wire Transfers Customer (outgoing)
Foreign

$25.00 per transfer
$30.00 additional
Money Orders Customer* $3.00
*No charge to Senior Citizens age 65+, Croix Club members and First Class account holders
Cashier's Check Customer* $4.00
*No charge to Senior Citizens 65+, Croix Club and First Class account holders
Counter Checks
5 free - $0.25/after
Checking & Savings Account Early Closure
$25.00 within 90 days of account opening.
Health Savings Accounts
Annual Service Charge: $25.00
Remote Deposit Anywhere (RDA)
Per deposit item Fee: $1.00*
*Consumer accounts - waived with eStatement enrollment
Overdraft Charges
Applies to checking, savings and moneymarket accounts.
Overdraft Charge each item paid (Created by Check, ACH Debit, Internet or Online Debit, Bank Fee, In Person Withdrawal, Phone Debit)
$32.00 per item/Daily maximum $96.00. Overdraft charges will not be assessed on non-business days (Saturdays, Sundays, New Year's Day, Memorial Day, July 4th, Labor Day, Thanksgiving Day, and Christmas Day).
Return Item Charge
Applies to checking, savings and moneymarket accounts.
Return Item Charge (Created by Check, ACH Debit, Internet or Online Debit, Bank Fee, In Person Withdrawal, Phone Debit)
$32.00 per item/Daily maximum $96.00. Return Item charges will not be assessed on non-business days (Saturdays, Sundays, New Year's Day, Memorial Day, July 4th, Labor Day, Thanksgiving Day, and Christmas Day).
Daily Overdraft Fee
Fee begins on 4th business day after initial overdraft

$5.00 per day/Maximum 20 consecutive business days/$100.00. Daily Overdraft fees will not be assessed on non-business days (Saturdays, Sundays, New Year's Day, Memorial Day, July 4th, Labor Day, Thanksgiving Day, and Christmas Day).
Return Deposit Item
$4.00 per item


Stop Payment
Checks and ACH items

Recurring Debit Card Transactions

$30.00

$30.00
Record Research
$25.00 per hour
$5.00 minimum
Account Reconciling
No charge 1st time; $25.00 per hour thereafter with a minimum of $25.00 and a maximum of $100.00
Duplicate Statement Copy
$2.00
Paper Statement Fee
$6.00 per month (eChecking Only)
Collection Item
$20.00 per check
Coin Counting Customer
NonCustomer
No Charge
5% with $3.00 minimum*
*Exception: Minors under age 18
Notary Public Service
Customers: No Charge
Non-Customers: $5.00
FAX Machine Local
Long Distance
International
$2.00 per page

$3.00 per page
$5.00 per page
Levy/Garnishment
$100.00
Foreign Currency Order
$15.00 per order (Postage rates vary)
Foreign Check Items
$20.00 for the first item, $5.00 for each additional item included in the same transaction
Automatic Loan Payment Adjustment Fee
$10.00
Account Protection Transfer Fee
$5.00 per transfer
Debit/ATM Card Replace Card
Rush Orders
$7.50
Rates Vary
ATM Withdrawal fee:International Service Assessment
0.2% of transaction/Currency Conversion Assessment
0.9% of the transaction/Cross-Border Assessment
ATM Withdrawals
$1.00 per withdrawal if at a non-First State Bank and Trust location or outside of MoneyPass Network
Check Printing
(Fee depends on Style of check order)
Dormant Account Fee:


Accounts become dormant when there is no customer driven deposit or withdrawal for a period of 12 months
Checking and Money Market $5.00 per month (if your balance is $500 or less)
Accounts with statements returned for 2 consecutive months will be deemed dormant for monitoring purposes
Savings $5.00 per month (if your balance is $200 or less).
HSA Excessive Contributions
HSA contributions made in excess of the annual maximum contribution limit set for the account will be returned via Cashier's Check
BillPay: Overnight Rush Check Payment
$19.95
BillPay: Second Day Rush Check Payment
$14.95
BillPay: Second Day Rush Electronic Payment
$4.95
BillPay: Gift payment by check
$2.99
BillPay: Donation payment by check
$1.99


KEEP YOUR IDENTITY
WHERE IT BELONGS

Security is one of our highest priorities

Learn More



GO GREEN & TRY eSTATEMENTS

Quicker. Safer. Greener.

Read More