Services and Fees

Fee Schedule

FIRST NATIONAL BANK & TRUST CO.
McAlester, Oklahoma

The following is a list of transaction fees and charges which may be assessed against your account.
Amount of fee in bold with an asterisk indicates change effective July 1, 2006.

REGULAR CHECKING | SELECT CHECKING | BUSINESS CHECKING | NOW ACCOUNT | FIFTY PLUS ACCOUNT
SUPER NOW ACCOUNT
| MONEY MARKET ACCOUNT | REGULAR SAVINGS | CERTIFICATE OF DEPOSIT
OTHER ACCOUNT FEES | INTERNET BANKING, BILL PAYMENT/CHECK FREE

CASH MANAGEMENT – Commercial Customers

SAFE DEPOSIT BOX

REGULAR CHECKING   
Minimum to open    $200.00
Maintain a balance of $500.00     No minimum balance
Fee Balance if less than $500.00  $1.00
Balance of less than $400.00   $2.00
Balance of less than $300.00     $3.00
Balance of less than $200.00  $4.00
$.25 per withdrawal after 50 checks  

SELECT CHECKING  
No monthly service charge regardless of balance.    
No per check charges regardless of number written.         
No transaction charges when using FNB ATM's.  

BUSINESS CHECKING  
Minimum to open     $200.00
Monthly Maintenance $5.00
Each Deposit/Foreign Item/Check Paid   
Earnings Credit:  Monthly analysis of your account activity and average monthly collected balances results in an earnings credit which is used to offset assessed charges. The earnings credit rate is based on current market conditions. 

NOW ACCOUNT  
Monthly minimum balance fee if the daily balance drops below $500.00 any day of the month $5.00
plus a $ .10 fee for each check processed.
You may write 50 checks per month.         
Each subsequent check $0.15

FIFTY PLUS ACCOUNT  
No monthly service fee charges, no per check charges and no charges if your balance falls below a certain amount.
Three (3) free Cashier's Checks per month.                                         
Each additional $2.00

SUPER NOW ACCOUNT  
Monthly minimum balance fee if the daily balance drops  $2,500.00 any day of the month $5.00
plus $.10 for each check processed.
You may write 50 checks per month.   
Each subsequent check  $0.15

MONEY MARKET ACCOUNT  
Monthly minimum balance fee if the daily balance drops below $2,500.00 any day of the month $10.00
You may make six (6) transfers from your account per month.  
Each subsequent transfer $5.00

REGULAR SAVINGS  
You may make six (6) withdrawals per quarter.   
Each subsequent withdrawal $2.00
 Interest paid semi-annually.  

CERTIFICATE OF DEPOSIT  
Penalty and other fees may be assessed.  Please refer to your certificate.  
Idemnity agreement/duplicate CD $15.00

OTHER ACCOUNT FEES    
Fee to Stop Payment of a check   $18.00*
Deposited checks (& other items) returned unpaid   $2.00
Non-Sufficient checks returned or paid/per check   $20.00
Daily overdraft fee Minimum $2.00
ATM transaction fee at non FNB ATM for FNB customers   $1.00*
Collection-Drafts (non-customer)   $10.00*
Dormant Account (monthly fee)   $5.00
                  An account is dormant if there is no activity for two (2) years.  
Cashier's Check (each)   $3.00
Money Orders (each)    $2.00
Check Printing Fee depends on style of check ordered
Research - minimum 1 hour 1 hour $25.00
(over 1 hour, charge per 1/2 hour increments)    
Garnishments or other forms of legal process affecting your account $25.00
Copy of account statement   $1.00
Copy of image checks from account statement per page $1.00
Print out of account activity per page $1.00
Wire Transfer Fee:    
        Bank Customer:  Incoming $5.00
  Outgoing $15.00
        Non-bank Customer:    Incoming $20.00
  Outgoing $25.00
Transfer request to/from FNB accounts requiring hand processing   $5.00
Account balancing per hour $20.00
Fax Service per page $1.00
Replacement ATM or CHECK/DEBIT Card   $15.00
Temporary checks each $.10

INTERNET BANKING   
FREE  
BILL PAYMENT/CHECK FREE  
Consumer/Retail Customers  
Free for the first 60 days, thereafter a monthly flat fee of which includes up to 15 bill payments $  5.95
Each subsequent bill payment $    .55
Commercial Customers  
Free for the first 60 days, thereafter a monthly flat fee of which includes up to 15 bill payments $  6.95
Each subsequent bill payment $    .55
Copy of check $  6.00
Stop Payment $20.00
Non-Sufficient funds, per item $25.00

CASH MANAGEMENT – Commercial Customers  
This service allows commercial/business customers, ACH debit and credits, NACHA Imports, wire transfer requests, and secure file transfers.  No set up fee, no file transfer fee with unlimited transfers, no fee per batch, no fee per users.
Monthly fee $ 25.00 
  Plus $  .12 per item

SAFE DEPOSIT BOX
Contact our Safe Deposit Box Department

Effective immediately, the Bank may change in your Checking Account that will not affect your available balance, interest earnings, FDIC insurance, or bank statement. This Account will consist of a checking sub account. The Bank may periodically transfer funds between these two sub accounts.  If your Account is a Plan on which interest is paid, your interest calculation will remain the same.  Otherwise, the savings sub account will be non interest bearing. The saving sub account will be governed by the rules governing our other savings accounts. 6-1-2006

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