First Federal Bank, Your Hometown Bank Since 1934

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First Federal Bank Fee Schedule

Effective April 9, 2012

Fees are non-refundable, except in cases of bank error or fraud. Visit the banking center nearest you for details.

CHECKING ACCOUNTS: All checking accounts include monthly electronic statements delivered through Internet Banking at no charge. Paper statements sent by mail are available for $3.00 per month.
	Minimum Opening Balance	Min. Daily Balance to Avoid Fee	Monthly Service Fee	Free Checks
First Step Checking	$25	N/A	0	N/A
First Interest Checking	$25	$400	$6	N/A
Elite Interest Checking	$25	N/A	0	1st box free (designated style)
Performance Plus	$2,500	$2,500	$10	N/A
StartFresh^® Checking	$25	N/A	$9.95 or $7.95 with Direct Deposit	N/A
Basic StartFresh^®^{Checks not available with this account}	$25	N/A	$9.95 or $7.95 with Direct Deposit	N/A
Money Market Savings	$1,000	$0 - $999	$5	N/A
Money Market Savings		$1,000+	0	N/A
First Choice™ DBA/Not for Profit Checking	$100	N/A	0	N/A ^
*500 "free" transactions per statement, then $.25 per item
First Business Checking	$100	N/A	0	N/A ^
*250 "free" transactions per statement, then $.25 per item
^Pre-inked endorsement stamp required, minimum $12.00 or actual cost

SAVINGS ACCOUNTS: All savings accounts include monthly electronic statements delivered through Internet Banking at no charge. Paper statements sent by mail are available for $3.00 per month.
	Minimum Opening Balance	Min. Daily Balance to Avoid Fee	Monthly Service Fee	Withdrawal Limitation
Statement Savings	$200	$200	$3	^ 6 Free per account cycle then $1 each
Pay Yourself First Savings	$25*	N/A	$3
Minors Account (under age 18)	$25	N/A	N/A
^Withdrawal limitation applies to all types of transactions, except ATM, which are unlimited *Requires at minimum 1 automated transfer (per statement cycle) from a FFB checking to savings account in increments of $25 or more. $3 monthly service fee waived.

ATM TRANSACTION FEES:
First Federal ATM, MoneyPass	Free
Other ATMs (non-First Federal Bank/MoneyPass): (May also be subject to other bank service charges)
Withdrawals	$2.00
Balance Inquiries	$2.00
Card Replacement	$7.50
PIN Reissues	$5.00
Foreign Country Transactions	up to 1%

MISCELLANEOUS SERVICES:
Statements:
E-Statement (via Internet Banking)		Free
Paper Statement (via mail)		$3 per cycle
Account Closed (within 180 days)		$25
Check Printing (Fee depends on style of check)
On-Us Check Cashing (non-customers)		1% of check Maximum $10
Alien Media Reject Fee		$5 per check
Coin Sorting and Counting:
	First $30	Free
	Amounts over $30	10% of amt. over $30
	Minor Accounts	Free
Collections:
	Account (overdrawn closed)	$35
	Checks, Drafts & Foreign Items	$30
	Canadian checks or drafts	$10
	Coupons	Not accepted
Copies:
	Balance History	$1
	Check (Paid, Deposited)	$2
	Statement	$5
	1098 and/or 1099	$5 (each)
	Debit Card receipts	$15
	Other	$2 minimum
	Additional pages over 4	$0.25 per page
Counter Check (per sheet)		$2
Cashier Checks		$5 each
Deposit Verification of Payment		$10
Dormant Fee on accounts with no deposit, withdrawal or transfer activity for period specified by product:
	Checking - 1 year	$7.50 per month
	Savings - 2 years	$7.50 per month
Fax (in or out - per page)		$5
Funds Transfers:
	Internet Banking	Free
	Telephone (24-hr. automated line)	Free
	Incoming Wire	$15
	Outgoing Wire	$25
Garnishment/Levy Processing		$75
Guaranteed Signature		$10
Insufficient Funds/Overdraft/Returned/Uncollected/Account Closed/ Checks, ACH, Point of Sale, ATM, and Bill Payments
	Item Honored	$35
	Item Returned	$35
	"Sustained" Overdraft Account	$5 per day
	Overdraft Protection Transaction (transfer from another First Federal Account)	$25
Loan Servicing Fees:
	Loan Document Copies	$5 (per request)
	Faxed Payoff Report	$15
Money Orders		$2
Night Deposit:
	Locking Depository Bag	$25
	Zipper Depository Bag	$5
	Night Depository Key Replacment	$5
Notary Services (Free to First Federal Customers)		$2 per signature
Overdraft Protection Transaction		$25
Passbook/CD Replacement Charge		$5
Research:
	Per Hour	$25
	Minimum	$5
	Abandoned Account Research	$25
Returned Deposited Item:
	Charge-Back	$10
	Reclear	$11
Return Mail/Bad Address		$7.50 per envelope
Safe Deposit Box Fees: (Only available at Blue Ridge location)
	Annual Box Rental Fees
	3 x 10	$45
	5 x 10	$65
	10x10	$105
	Drilling Fee	$150 minimum
	Lost Key Fee	$15
Statement Balancing:
	Per Hour	$25
	Minimum	$5
Statement - Hold for Pick-Up (Request for no mail)		$7.50 per month
Stop Payments and Renewals	Checks, ACH, Bill payments, Money Orders	$35
Internet Banking		Free
	Electronic Bill Payment	Free
	Funds Transfers (between First Federal Accounts)	Free
	Check Images (Paid checks)	Free
	E-Statements	Free

© 2012 FIRST FEDERAL BANK
P.O. Box 419194
Kansas City, MO 64141-6194
Phone (816) 241-7800

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