• Due to recent mask mandates, the following banking centers will be drive-through and appointment only: Blue Ridge, Lee's Summit, North 78th Street, North Kansas City, Raytown, Zona Rosa, and Minnesota Avenue.

Service Fee Schedule

Checking Accounts

All checking accounts include monthly electronic statements delivered through Online Banking at no charge. Paper statements sent by mail are available for $3.00 per month. The paper statement fee is waived on First Free Checking accounts. For Premier Interest Checking, the fee is waived if you maintain a $500 minimum daily balance in your account OR have a recurring direct deposit. For the Premier Money Market Account, the fee is waived if you maintain a $2,500 minimum daily balance in your account.

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Min. opening balance min. daily balance to avoid service charge monthly maintenance service charge Free checks
First Free Checking $25 N/A $0 N/A
Premier Interest Checking $25 $500 or direct deposit $5 N/A
DBA/Not for Profit Checking* $100 N/A $0 N/A
First Business Checking* $100 N/A $0 N/A
Business Interest Checking* $100 $2000 $12 N/A

*250 "free" transactions per statement, then $0.25 per item

Savings Accounts

The First Savings Plus and the Premier Money Market accounts are only available to First Federal Bank checking customers. All savings accounts include monthly electronic statements delivered through Online Banking at no charge. Paper statements sent by mail are available for $3.00 per month. The paper statement fee is waived for the First Savings Plus account.

Min. opening balance min. daily balance to avoid service charge monthly maintenance service charge
First Savings Plus $50 $50 $3
Statement Savings $200 $200 $3
Minor Savings (Under age 18) $25 N/A N/A
Money Market Savings $1000 $1000 $5
Premier Money Market $2500 $2500 $10
Business Statement Savings $200 $200 $3
Business Money Market Savings $2500 $2500 $10

ATM Transaction Fees

All Transactions at First Federal Bank of Kansas City & MoneyPass™ ATMs Free
Withdrawals* $2.00
Balance Inquiries* $2.00
Card Replacement $7.50
Rush Card Order $35
Foreign Country Transactions* up to 1.1%

*Other ATMs (non-First Federal Bank/MoneyPass™):
May also be subject to other service charges.

Miscellaneous Services

Statements

Fee
E-Statement (via Online Banking) Free
Paper Statement (via Mail) $3 per cycle*

*Paper Statement fee waived on First Free Checking, First Savings Plus and Minor Savings accounts.

Checks

Fee
Personal Checks Fee depends on style of checks
Cashier's Checks $5
Counter Checks $2 per sheet
Money Orders $2
On-Us Check Cashing (non-customers) 1% of check Maximum $10
Return Deposited Item - Charge-Back $10
Return Deposited Item - Re-Clear $11

Coin Counting

Fee
All Customers Free

Collections & Copies

Fee
Account (overdrawn closed) $35
Checks, Drafts & Foreign Items $35-$95 (min. + actual costs)
Canadian Checks or Drafts $22
Copy of balance history $1
Copy of check (paid, deposited items) $2
Copy of a statement $5
Copy of a 1098 and/or 1099 $5
Copy of debit card receipts $25
Other copies $2 minimum
Additional pages over 4 $0.25 per page

Deposit Verification of Payment

Fee
Deposit Verification of Payment $10

Dormant Accounts

On accounts with no customer initiated deposit, withdrawal, or transfer activity for period specified by product.

Fee
Checking accounts - 1 year of no customer initiated account activity $7.50 per month
Savings accounts - 2 years of no customer initiated account activity $7.50 per month

Fax

Fee
Fax (in or out - per page) $5

Funds Transfers

Fee
Online Banking Free
Telephone (24-hr. automated line) Free
Incoming Wire $15
Outgoing Wire (domestic only) $25

Garnishment & Levy Processing

Fee
Garnishment & Levy processing $75

Medallion Guarantee Signature

Fee
Medallion Guarantee Signature $10

Insufficient Funds

Overdraft/Returned/Uncollected/Account Closed/ Checks, ACH, Point of Sale, ATM, and Bill Payments

Fee
Item honored (Transaction amount over $5.01) $35
Item returned (Transaction amount over $5.01) $35
Consecutive days overdrawn*** $5 per day
Overdraft Protection transaction (transfer from an FFB savings account) $10

We assess a maximum of 6 overdraft fees per day.

***If your account is overdrawn by $13.01 or more, a fee is charged for each day your account is overdrawn on and after the 7th day.

Loan Servicing

Fee
Loan document copies $5 (per request)
Payoff report $15
Verification of mortgage $10
Loan payment returned (NSF) $35

Night Depository

Fee
Locking Depository bag $25
Zipper Depository bag $5
Night Depository key replacement $5

Notary Services

Fee
First Federal Customers Free
Non-Customers $2 per signature

Pre-inked Endorsement Stamp

None Fee
Pre-inked endorsement stamp* $18 min., or actual cost

*For business accounts only.

Passbook Replacement

Fee
Passbook replacement charge $5

Account Research

Fee
Per Hour $25
Minimum $5
Abandoned account research $25

Safe Deposit Boxes

Available at our Blue Ridge Location

Fee
3 x 10 $45 (annually)
5 x 10 $65 (annually)
10x10 $105 (annually)
Drilling fee $150 minimum
Lost key fee $15
Insufficient funds for annual fee $35

Statement Balancing

Fee
Per hour $25
Minimum $5

Stop Payments

Fee
Checks $35
Automatic payments (ACH) $35
Bill Payments $35
Money Orders $35

Online Banking

Online Banking and Mobile Deposit are a free service

Fee
Online Bill Payment Free
Funds transfers (between FFB accounts) Free
Check Images (paid checks) Free
E-Statements Free

Download a copy of our Service Fee Schedule

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