Fee Schedule

ATM Fee
    FCB Debit withdrawal, transfer or inquiry            No Charge 
    FCB Debit machine mini statement $1.00
    FCB customer deposits at foreign ATM $1.00
           (must be on NYCE system)
    Foreign ATM withdrawal or inquiry $1.00
    Foreign ATM transfer $0.50
    Replacement Card $5.00
    Non customer withdrawal, transfer or inquiry      $2.00
Bad Address Fee $2.00
    Accounts with mail returned by US Postal Service as
    undeliverable 
 
Bank by Mail Envelopes provided
Cashed/Deposited Item Returned
    Customer Charge back fee $3.00
Check Cashing
    Customer -3 party checks for unds not available Refer to Non-customer Fees
    Non-customer Social Security 1.2% plus $0.90
    Non-customer Federal Check $5.00
    Non-customer under $500.00 $20.00
    Non-customer up to $1000.00  $40.00
    Non-customer up to $5000.00  $60.00
    Non-customer $5000.01 & over  $100.00
Check Orders Depends on style ordered 
    Postage for mailed check orders         Cost of Postage
Coin counting (non-customer) 5%
Collection items $25.00
Deposit verification for mortgage loans           No Charge 
Direct Deposit No Charge 
Fax:    
    Incoming  per sheet $1.25
    Outgoing per sheet $2.00
Garnishment & Tax levies $50.00
Inactive/Dormant account Fee
    Checking (Inactive one year) $7.50
    fee waived if balance over $1,000       
    Savings (Inactive 2 years) $10.00
    Waive if balance over $300
Insufficient funds  
    Overdraft/NSF Fee - Paid or Retuurned Check $23.00
    Daily Maximum Overdraft/NSF Fee $92.00
    Uncollected Funds Fee Paid or Returned 
     (UCF Paid Item Fee, UCF Returned item Fee)
$23.00
    Continued Overdraft Fee after 10 days, then again
     after 20 days if overdraft is not resolved.
$25.00
Internet Banking
    Consumer Inquiry Only Free
    Consumer Bill Pay with at least 1 bill pay a month Free
    Consumer Bill Pay with no bill paid during the monthy $7.50
    Business Bill Pay per month, up to 10 bills $7.50
    Business Bill Pay over 10 each $0.65
IRA Transfer Fee     $25.00
Loan Payment book replacement $2.50
Night Deposit: 
    Locked bags $20.00
    Replacement Key for Locked bags 10.00
    Zippered bags (1st Free), per additional bags     $5.00
Notary fee
    Customers No Charge 
    Non Customers $1.00
Official Checks:
    Cashiers Checks-Customer $3.00
    Money Orders - Customer $3.00
Overdraft Protection
    Transfer to Overdrawn Checking from:
           Savings or another Checking $5.00
           Cash Line (AKA Cash Reserve)  Interest Applied
            Home Equity Loan  Interest Applied
Photocopies, per page $0.25
Rejected Items per item $0.25
      (Due to faulty checks or deposit slips 
       purchased from another company)
Research Services, per hour $25.00
       Minimum Charge $15.00
       Research greater tham 7 yrs $50.00
       Research greater than 7 yrs Minimum  $30.00
        When documents are available  ***NOT all documents will   
       be available***
 
Safe Deposit        Annual Charge based on size of box
    Late Fee $7.50
     Key Replacement
     New keys and new lock installed customer must be present
$150.00
Security Sales or Purchase $60.00
Signature Guarantee (non-customer) $60.00
Statement
     Special cut off (on green stock paper)         $5.00
     Statement, copy of        See photocopies
     Statement Printout pick up at Main Bank         No Charge
     Mailed to customer $2.00
     Faxed to customer $2.00
Statement Balancing, per hour $25.00
     Minimum Charge $15.00
Stop Payment, per check $23.00
     Span of consecutive check numbers $50.00
Subpoenas or summons for documents 
      or witnesses  Same as research services
Telephone transfer $3.00
      Transfer with ET Banking No Charge
ET Banking (Electronic Telephone Banking)           No Charge
U.S. Savings Bonds
     Issue Fee No Charge
     Redemption Fee No Charge
Wire Transfers
     Incoming - Customers No Charge
     Outgoing - Customers $20.00

^top