ONLINE BANKING
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Rate and Fees

As of March 1, 2014

Current documentation fees for personal loans are $69.00 to $100.00 and for certificates of deposit secured loans, $35.00. Commercial loan documentation fees are currently $100.00 to $200.00. The interest rates and other fees that may be charged will vary depending upon the complexity of the transaction. This is also true for real estate loan rates and fees.

There is no annual fee for Visa and Mastercard. The current APR for basic cards is 13.92% and for gold cards is 12.96%.

TRANSACTION ACCOUNTS
REGULAR CHECKING $5.90 per month if balance falls below $400
NOW ACCOUNTS $6.90 per month if balance falls below $500
FIRST PREFERRED $10.00 per month if balance in all deposit accounts falls below $5,000
FIRST PREFERRED 55 No monthly fee
GREEN CHECKING No monthly fee if enrolled in E-Statement ($5.50 if a paper statement is generated).
REGULAR SAVINGS $1.90 per transaction after three per month (no monthly fee for SCS Card)
CRADLE TO COLLEGE SAVINGS $50 Minimum deposit to open account. No withdrawal allowed until the 18th birthday.
MONEY MARKET ACCOUNTS $10.90 per month if balance falls below $500
FIRST PREMIER MMDA $10.90 per month if balance falls below $2,000 and $5.00 per item that exceeds transaction limits
INDIVIDUAL RETIREMENT ACCOUNTS Early withdrawal penalties only which vary per account
CERTIFICATES OF DEPOSIT
Available for 31 days to 4 years
Early withdrawal penalties only which vary per account
DORMANT SAVINGS ACCOUNTS $6.00 per month if balance falls below $100.00 or if there is no current address
DORMANT DEPOSIT ACCOUNTS $6.00 per month if balance falls below $500.00 or if there is no current address

No monthly service charges are assessed to Senior Citizen Accounts.

MISCELLANEOUS SERVICES
TRUST DEPARTMENT 8/10ths of 1% of total assets up to $500,000; 6/10ths of 1% of total assets from $500,000 to $1 million; 4/10ths of 1% of total assets over $1 million
DEBIT CARDS No charge if activity on account. If no activity, there is a $1.00 monthly charge.
SCS CARDS No charge except for Heartland Checking Accounts which is $1.00 per month and $0.75 per transaction for foreign ATM machines (in addition to the transaction fee that the foreign ATM charges). $2.00 charge for replacement cards.
TELEPHONE BANKING (FIRST INFO)
24 hour access
No charge
REDI-FUND AUTOMATIC TRANSFERS $5.00 per transfer
MONEY ORDERS $2.00 for customers, $3.00 for non-customers. Free for members of First Friends. 3 free per month for senior citizens, $1.00 each after the third one.
CASHIER'S CHECKS $4.00 for customers, $6.00 for non-customers.
WIRE TRANSFERS For customers no charge for incoming wires, $15.00 for outgoing domestic wires, $35.00 for outgoing international wires.
INSUFFICIENT FEES $27.97
INTERNET BANKING No charge
SAVINGS BONDS No charge
DIRECT DEPOSITS No charge
AUTOMATIC TRANSFER PLAN No charge
NOTARY PUBLIC No charge for customers. $5.00 for non-customers.
COLLECTIONS REGULAR ITEMS No charge for customers, non-customer fees will vary per transaction.
OUTSIDE GARNISHMENTS AND LEVIES $25.00 per garnishment or levy.
SAFE DEPOSIT BOXES $10.00 to $50.00 per year depending on box size.
BALANCE INQUIRIES No charge
CUSTOMER SERVICE
Account Balancing, etc.
No charge
INSTANT STATEMENTS No charge for the first 3 per month, $1.00 for each additional printout.
TEMPORARY CHECKS Free (Maximum of 5)
STOP PAYS $20.00 per item.
BANK BY MAIL No charge.
ACCOUNT RESEARCH $1.00 per item. $2.00 per item prior to 2007

Debit cards have access to the entire VISA network, as well as those available to SCS cardholders. SCS cards have access to the SCS, CIRRUS, PULSE and various other card networks.

FEES
Account Research $1.00 per statement page. $2.00 per statement page for years prior to 2007
Automatic Transfers (Checking to Savings) Free
Balance Inquiries Free
Bank by Mail Free
Cashier Check (for Customers) $4.00
Cashier Check (for Non-Customers) $6.00
Check Cashing Fee (for Customers) Free
Check Cashing Fee (for Non-Customers) on checks up to $500 $5.00*
Check Cashing Fee (for Non-Customers) on checks over $500
*There is no charge for US Treasury & State of Oklahoma checks
excluding Tax Refunds.
1.00%*
Collections (for Customers) Free
Collections (for Non-Customers) Varies
Daily overdraft fee (Charged after account has been overdrawn for 3 business days) $5.00
Direct Deposit Free
Fax Fee for 1st Page $4.00
Fax Fee for 2nd Page $1.00
Fax Fee for 3rd Page and Up $1.00
First Info Free
FNB In-house Printing Charge for 24 checks & 4 deposit slips $3.00
FNB In-house Printing Charge for Savings packet with 28 documents Free
Insufficient Fee $27.97
Money Order (for Customers) $2.00
Money Order (for Non-Customers) $5.00
Notary Public Service ($5.00 for Non-Customers) Free
Redi-Fund Fee (per transfer) $5.00
Replacement SCS Card Fee $2.00
Replacement VISA CHECKcard Fee $2.00
Returned Deposit Fee $1.00
Savings Bonds Free
SCS Card Monthly Fee $1.00
Stop Payment Fee $20.00
Trust Department Varies
VISA CHECKcard Monthly Fee ($1.00 per month with no activity) Free
Wire Transfer Fee (Incoming) (Customers only) Free
Wire Transfer Fee (Outgoing Domestic Only) $15.00
Wire Transfer Fee (Outgoing Foreign Only) $35.00
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