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Schedule of Charges

Fees effective as of January 9, 2019

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

ATM

Item Fee
ATM – FNB Cash Withdrawal No Charge
ATM – Non - FNB Cash Withdrawal $2.00

Business Accounts

Item Fee
Account Analysis Based on transaction history
Cash Management with Bill Pay, ACH and / or Wire $30.00 per month includes 5 ACH file originations (see cash management contract for more details)
Cash Management Lite $10.00 per month includes 4 ACH file originations (see cash management contract for more details)
Remote Deposit capture $50.00 per month

Debit Card / Gift Card

All VISA Debit Cards have a $2000 daily POS limit and $500 daily ATM cash withdrawal limit

Item Fee
VISA Debit Card Customized Instant Issue $5.00
VISA Debit Card Instant Issue

No Charge – Bank Stock with TX Flag Logo

VISA Debit Card Purchases No Charge
VISA Debit Card Replacement $5.00
VISA Gift Card $5.00 to activate

Miscellaneous

Type Fee
Account Activity Printout $3.00
Account Research $20.00 per hour (one hour minimum)
Account Agreement Mail Fee $15.00 per copy
Cashier’s Checks $3.00
Check Printing (fee depends on style of check ordered)
Collection Sent $10.00
Early Closure of Account (within six months of opening) $20.00
Executions $100.00
Fax Research Local-No Charge / Long Distance-$3.00 each occurrence
Garnishments $100.00
Levies $100.00
Medallion Stamp $15.00
Money Orders $2.00
Multiple Account Changes in One Year $15.00 (one free per year)
Non – MICR checks presented for processing $1.00 each
Photocopies $0.10 each
Securities Purchased $100.00 per purchase
Telephone Inquiry (in excess of three per month) $1.00 each
Zipper Bags $3.00

Overdraft

Item Fee
Charge Back - (Deposited Item Returned) $5.00 each
Non – Sufficient Funds (NSF)-Imposed when checks, transfers or items presented by electronic means are returned unpaid. $25.00 each
Overdraft-Per each overdraft paid created by checks, transfers, inperson withdrawals, ATM withdrawals, or by other electronic means. $35.00 each

Online Banking

Item Fee
Mobile Banking No Charge
Online Banking No Charge
Online Bill Payment No Charge
Online Bill Payment – Overnight Delivery $20.00 per item
Online Bill Payment – Overnight Delivery No more than 5 checks deposited daily and no more than 10 checks deposited within 5 consecutivedays. No more than $5,000 check deposits daily and no more than $10,000 check deposits within 5 consecutive days.
People Pay $2,000 daily limit

Safe Deposit Boxes

Item Fee
3x5x2 $25.00 annually
5x5x2 $35.00 annually
3x10x2 $45.00 annually
5x10x22 $70.00 annually
10x10x22 $125.00 annually

Statements

Item Fee
Statement Copy $3.00 each
Statement on CD $5.00 each
Statement Extra Interim (Snapshot) $3.00
Statement Reconcilement $20 per hour (one hour minimum)

Stop Payments

Item Fee
Stop Payments – ACH Payments $25.00
Stop Payments – Check, other items $25.00

Transfers

Item Fee
ACH Origination (ACH Loan Payment) No Charge
Automatic Transfer No Charge
Dynamic Transfer of Funds Between FNB Accounts $1.00 per transfer

Wire Transfers

Item Fee
Wire Transfer – Domestic Incoming $15.00 / Outgoing $15.00
Wire Transfer – Foreign Incoming $50.00 / Outgoing $50.00

Main Office

101 E. Bridge St.
Granbury, TX 76048

(817) 573-2655
Toll Free (800) 447-1688

FDIC Equal Housing Lender

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