Commercial Account Fees

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Commercial Accounts may be subject to Account Analysis.  You may request an example of an Analysis statement if applicable.

Business Online Banking with or without Bill Pay No Charge
Online Bill Pay Overnight Delivery Fee $20.00 per item
Cash Management with Bill Pay, ACH and/or Wire $60.00 includes 5 ACH file originations and 2 required Security Devices
Cash Management Security Devices $5.00 per month each if over 2 Devices
$10.00 Replacement fee for each
Remote Deposit Capture $75.00 per month
New VISA Instant Issue Debit Card  No Charge
Replace lost VISA Instant Issue Debit Card $5.00
Cash withdrawal at ATMs we do not own or operate $1.00
VISA Debit Card Purchase No Charge
VISA Debit Transaction Dollar Limit $500.00 per day Cash
$2500.00 per day POS
VISA Gift Card $5.00 to activate
Automatic transfer of funds from a checking account to a savings or money market account $1.00
Early Closure of Account (within six months of opening) $20.00
Multiple Account changes in one year $15.00 (one free per year)
Cashier's Checks $3.00
Check printing (fee depends on style of check ordered)
Originate ACH debit for loan payment at FNB

$1.00 each if recurring
$5.00 each per one-time transfer

Originate ACH deposit to account at FNB $1.00 each if recurring
$5.00 each per one-time transfer
Loan Payment by Debit Card or Credit Card $10.00 fee by phone only
$1000.00 maximum payment
Garnishments $100.00
Executions $100.00
Levies $100.00
Overdraft (each item)
each overdraft paid created by checks, transfers, in-person withdrawals, ATM withdrawals, or other electronic means
Medallion stamp guarantee $15.00
Non-sufficient funds (NSF) each
imposed when checks, transfers or items presented by electronic means are returned unpaid
Account activity printout $3.00
Account research $20.00 per hour (one hour minimum)
Copy of statement $2.00 each
Statement on CD $5.00 each
Copy of check $0.10 each
Fax research
   Long distance

No Charge
$3.00 each occurrence
Stop payments - check, other items $25.00 each
Stop payments - ACH payments $25.00 each
Photocopies $0.10 each
Domestic wire transfers

Foreign wire transfers

Money orders $2.00
Collection sent $10.00
Deposited items returned $5.00
Telephone balance inquiry in excess of three monthly (excluding express line calls) $1.00 each
Extra interim statements (snapshots) $3.00
Securities purchased $100.00 per purchase
Statement reconcilement $20.00 per hour
Non-MICR checks presented for processing $1.00
Zipper bags $3.00
Lock Boxes

$15.00 per year
$25.00 per year
$30.00 per year
$50.00 per year
$90.00 per year
*$10.00 charge if key is lost. *Drill charge varies per cost incurred.
*Lockers available at some locations

We reserve the right to refuse to handle checks not printed by our authorized check printer.