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First National Bank of Elmer

Fee Schedule

Service Charge/Fee Schedule

Effective as of 10/25/2025

Personal/Business Checking Account

  • No Minimum Balance Requirements or Monthly Service Charges

Personal/Business Super Now/Money Market Account

  • Monthly minimum balance fee, if the minimum daily balance falls below $1,000 for the statement period - $10.00

Personal/Business Statement Savings Account

  • Monthly minimum balance fee, if the minimum daily balance falls below $50 for the statement period - $2.00

True Grow Checking Account

  • $500 minimum daily balance to earn APY. Must enroll in E-statements. No monthly minimum balance fee regardless of balance.
  • Paper statements requested - $3.00 each

Other Fees and Charges

  • ATM Transaction Fee (our bank) - FREE
  • ATM Foreign Transaction Fee - $1.00
  • Cash Management Services - Varies
  • Cashier’s Check - $10.00
  • Checkbook/Check Printing - Varies
  • Closing Christmas Club Before Maturity - $10.00
  • Collection Items (plus 3rd party fee) - $35.00
  • Counter Checks (3 checks) - $1.00
  • Fax Copy - $5.00
  • IRA Transfer/Premature Distribution - $25.00
  • Levy & Lien Processing - $150.00
  • Insufficient Funds Charge (per paid item) - $37.00*
  • Insufficient Funds Charge (per non-paid item) - $37.00*
  • Online Bill Pay Additional Overdraft Fee - $35.00
  • Online Bill Pay (per month) - FREE
  • Online Bill Pay Cancelled Check Copy - $12.00
  • Online Bill Pay Stop Payment Fee - $35.00

Other Fees and Charges Continued

  • Overdraft Protection Transfer fee (per item) - $12.00*
  • Photocopy - $1.00
  • PLUS ATM Transaction Fee - $2.00
  • Replacement VISA Debit Card - $5.00
  • Replacement ATM Card - $5.00
  • Research/Reconcilement (per hour—$15.00 minimum) - $30.00
  • Returned Deposit Item -  $15.00
  • Rubber Stamps - Varies
  • Safe Deposit Box—Drilling - $150.00
  • Safe Deposit Box—Lost Key - $10.00
  • Stop Payment - $30.00
  • Wire Transfer—Incoming (domestic & foreign) - $15.00
  • Wire Transfer—Outgoing (domestic) - $30.00
  • Wire Transfer—Outgoing (foreign) - $50.00

*Fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means, as applicable. (All Fees are Subject to Change)