We commit to promote the success of our customers and communities, provide high quality financial services and maintain a strong, safe financial institution.The First National Bank and Trust Co.

Disclosures

Fee Schedule - Other Charges

(Standard charges / fees apply to ALL accounts)

As of October 25, 2018

Account Research/ Reconciliation $25 per hour
ATM, Foreign ATM for Noncustomers $3
ATM, Foreign ATM for Customers $1.50
International Surcharge Varies

Cashier's Checks

Charge-Off, Reopen Account

$5

$25

Check Cashing, Noncustomers

Check, Image

Item Returned, Chargeback Fee to Commercial Account

$10 or 2.5% (greater)

$1

$7.50

Item Returned, Chargeback Fee to Personal Account $5
Item Returned, Greater than $5000 $5
Overdraft Fee FNBT 360 $25, Other $28
Returned Item Fee FNBT 360 $25, Other $28
Item Returned, Reprocessed Fee $5
Check Substitute $5
Closing Account Less than 90 days/$25
Coin Wrapping $0.15/roll
Collections - Customers In/Out $17

Collections - Noncustomers
Compliance Fee

$25
$150/mo.

Copies (photo copies)

$0.25/ea
Debit Card, Change PIN $5
Debit Card, Replacement $7.50
Debit Card, Inactive 6 mo./$2.50
Debit Card, Reactivation $5
Dormant/Inactive Accounts $5/mo
Electronic Transfer/NSF Transfer $6
Gift Card FNBT 360 $2.50, Other $5
Faxes for Noncustomers $5 first page, then $1
HSA/IRA Set Up $10
HSA Monthly $1
IRA Annual $10
Indemnity for Lost Cashier's Check $30
Letter of Credit 3% per year
Levy/Garnishment $50
Money Orders $3
Night Depository Service $2.50/mo.
Night Depository Bag $20
Night Depository Key $5
Notary Public for Noncustomers $5
Online Bill Pay (fee assessed after 3 months of inactivity) $3/mo
Returned Mail/Email Fee (address research) $5
Safe Deposit Box Replacement Key $10
Savings Withdrawals 6 Free, then $2 /ea
Savings, Paper Statement Fee (balance under $5k) $1.85
Savings, Balance Requirement Fee (avg. balance under $100) $3
Special Handling Accounts $5
Statement Hold for Pick Up $5
Statement Mailed Duplicate $5
Statement on CD-ROM $5
Statement: Printout of Current Activity $1
Stop Payment Fee on Money Order $30
Stop Payment Fee $30
Telephone Fund Transfers, Voice $2
Temporary Checks  $1 /page (4 Checks)
Verification of Deposit $10
Wire Transfer, Domestic Outgoing $15
Wires, Domestic Incoming $10
Wire, International In $25, Out $45

Zipper Bags

Small $5 / Large $10