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.
| 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 |
| GO Account* | $25 | $0 | $0 | 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 |
*This account does not allow check writing.
**250 "free" transactions per statement, then $0.25 per item
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 |
| GROW Account^ | $25 | $0 | $0 |
| 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 |
^This account is only available in combination with the GO Account product.
^^This account has age limitations and additional ownership requirements, see Truth-In-Savings Disclosure for details.
| 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.
| 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.
| 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 |
| Fee | |
|---|---|
| All Customers | Free |
| 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 |
| Fee | |
|---|---|
| Deposit Verification of Payment | $10 |
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 |
| Fee | |
|---|---|
| Fax (in or out - per page) | $5 |
| Fee | |
|---|---|
| Online Banking | Free |
| Telephone (24-hr. automated line) | Free |
| Incoming Wire | $15 |
| Outgoing Wire (domestic only) | $25 |
| Fee | |
|---|---|
| Garnishment & Levy processing | $75 |
| Fee | |
|---|---|
| Medallion Guarantee Signature | $10 |
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.
| Fee | |
|---|---|
| Loan document copies | $5 (per request) |
| Payoff report | $15 |
| Verification of mortgage | $10 |
| Loan payment returned (NSF) | $15 |
| Fee | |
|---|---|
| Locking Depository bag | $25 |
| Zipper Depository bag | $5 |
| Night Depository key replacement | $5 |
| Fee | |
|---|---|
| First Federal Customers | Free |
| Non-Customers | $2 per signature |
| None | Fee |
| Pre-inked endorsement stamp* | $18 min., or actual cost |
*For business accounts only.
| Fee | |
| Passbook replacement charge | $5 |
| Fee | |
|---|---|
| Per Hour | $25 |
| Minimum | $5 |
| Abandoned account research | $25 |
| 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 |
| Fee | |
|---|---|
| Per hour | $25 |
| Minimum | $5 |
| Fee | |
|---|---|
| Checks | $35 |
| Automatic payments (ACH) | $35 |
| Bill Payments | $35 |
| Money Orders | $35 |
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 |