Last Updated: 6/1/24
Banking Services/Fee Schedule
ACCOUNT-RELATED SERVICES
MISCELLANEOUS BRANCH SERVICES
Account Assignment to Third Parties ........................................ $50.00
Account Closing (within 90 days of opening) ............................ $25.00
Account Inactivity Fee (1) .......................................................... $35.00
Account Load* ........................................................................... $2.00
*Available at Participating Retailers
Account Printout (lobby request) ................................................ FREE
Account Research
Statement Copy (2) .............................................................. $10.00
Minimum Research Charge (up to (1) hour)* ...................... $20.00
*Plus postage and insurance as applicable
Each Additional 15 Minutes ................................................... $5.00
Per Item Fee .......................................................................... $5.00
ACH Stop Payment
One-Time Stop Payment ...................................................... $35.00
Indefinite Stop Payment ...................................................... $35.00
Legal Processing Against Accounts
(Such as levies, garnishments, etc.) ........................................ $125.00
Mortgage Verification/Re-Verification of Account ..………………$25.00
Paper Statement Fee ................................................................... $2.00
Recovery Fee
Charged-off Accounts of $200.00 or Less ............................ $10.00
Charged-off Accounts over $200.00 .................................... $49.00
Return Item Fee (deposited or cashed) for
Commercial Accounts not on analysis (per item) ..................... $10.00
Stop Payment Order .................................................................. $35.00
Check Cashing Services*
Account Holder ............................................................................. FREE
Non-Account Holder ........................................... 2% ($5.00 Minimum)
*Prices are available upon request for
banking centers located inside H-E-B.
Coin Wrapper/Bill Straps (per 1,000) ......................................... $5.00
Collection Item (service available to account holders) ............ $35.00
*Plus postage and insurance and other
Correspondent Bank Fees as applicable.
Foreign Currency Exchange (account holders)
Currency (buys and sells) <$300 USD* .............................. $10.00
Currency (buys and sells) >$300 USD* .................................. FREE
*Plus postage and insurance and other Correspondent
Bank Fees as applicable. Offered at select locations.
Foreign Currency Exchange (non-account holders)
Currency (buys and sells) <$300 USD* .............................. $20.00
Currency (buys and sells) >$300 USD* .............................. $10.00
*Plus postage and insurance and other Correspondent
Bank Fees as applicable. Offered at select locations.
Notary (per signature) ................................................................ $2.00
Postage Stamps ......................................... Offered at select locations
Rolled Coin Deposited/Purchased ................................................ FREE
Safe Deposit Boxes .............................................. Prices upon request
Safety Seal Deposit Bags ..................................... Prices upon request
Signature Guarantee*(Account Holder) .............. Prices upon request
*Medallion $50 Minimum
Strapped Currency Deposited/Purchased .................................... FREE
Third Party Credit and Account Inquires .................................. $25.00
Zipper Bag
Small ................................................................................... $5.00
Large ................................................................................... $7.00
CHECK/MONEY ORDER RELATED SERVICES
Cashier’s Checks
Account Holder ...................................................................... $5.00
Issued for an On Us Check ..................................................... $7.00
Declaration of Loss Processing .................................................. $35.00
Money Orders
Account Holder ...................................................................... $1.00
Non-Account Holder .............................................................. $2.00
Personalized Checks, Deposit/Withdrawal
Slips and Other Account Products ........................ Prices upon request
Temporary Checks (each) ............................................................ $0.50
MONEY MOVEMENT- RELATED SERVICES
Western Union® .................................................. Prices upon request
Wire Transfer- Domestic
Incoming (Account Holder) ...................................................... $15.00
Outgoing (Account Holder) ...................................................... $25.00
Wire Transfer- Foreign .............................. Offered at select locations
Zelle Debit Fee (per debit) .......................................................... $1.00
GOLD KEY NETWORK® ATM/ CARD SERVICES
ATM Transactions on Any Gold Key® ATM ................................... FREE
(withdrawals, inquiries and transfers)
ATM Transactions on Any Non-Gold Key® (Foreign)
ATMs Each Withdrawal, Balance Inquiry or Transfer .................. $2.50
Debit Mastercard®
Card Issue ............................................................................... FREE
Express Handling Fee ........................................................... $25.00
Debit Mastercard® Branch Pick-Up Fee ............................... $10.00
International Transaction Fee (3) ................................................ $3.00
Point-Of-Sale (POS) Transactions (4) ............................................ FREE
OVERDRAFT RELATED FEES
AccountTRANSFER Overdraft Protection Plan .............................. FREE
Negative Balance Fee (5) .......................................................... $34.00
Non-Sufficient Funds (NSF) Fee ................................................ $17.00
Overdraft Fee ........................................................................... $34.00
Overdraft Fee – NSF Item(s) Paid ............................................. $34.00
TELEPHONE/IVR RELATED SERVICES
Telephone Services
Checking and Savings Account Assistance
from A Bank employee ............................................................... $3.00
Personal Account Line (PAL) Calls per Account
per Calendar Month (up to 17 calls) ............................................. FREE
Additional Inquiries/Transactions (each) ................................... $0.50
Last Updated: 6/1/24
Banking Services/Fee Schedule
ADDITIONAL COMMERCIAL SERVICES
MISCELLANEOUS COMMERCIAL SERVICES
These Services are specialized and may require additional
agreements and/or equipment in order to utilize the service. Contact
the New Accounts Department for details and prices.
•
Automated Clearing House (ACH) Origination
•
Commercial Wires
•
Credit Sweep Services
•
Deposit Preparation Services
•
Merchant Services
•
Business Express Deposit
•
Positive Pay
These Fees are specific to Commercial Services and may require
Additional agreements.
Account Information Reporting Services
(Assessed monthly)* ................................................................ $50.00
Account Monitoring Fee (assessed monthly)* ...................... $250.00
ACH Origination Services Application Fee
Per Company Tax ID ................................................................. $50.00
Business Express Deposit (assessed monthly) .......................... $50.00
Change Order for Non-Account Holder
(Limit of $500.00 or less) ............................................... 5% of amount
Money Service Business (MSB) Application Fee* ................... $250.00
*The final determination of accounts to be
charged will be at the Bank’s discretion.
Positive Pay Fee (assessed monthly)*…………………………………. $50.00
*Per Commercial Relationship
Wire Transfer- Domestic
Outgoing Account Holder ................................................. $25.00
Wire Transfer- Foreign**
Outgoing Account Holder ................................................. $45.00
**Plus correspondent bank Fees as applicable
COMMERCIAL ANALYSIS CHARGES
These Fees apply to Regular Commercial Checking accounts on
analysis and, at the Bank’s discretion may also apply to other
commercial checking products that are placed on analysis. The final
determination of accounts to be placed on analysis will be at the
Bank’s discretion.
Account Transactions
Check Deposited- On Us (6) ............................................... $0.0426
Checks Deposited- (Other Banks) (7) ................................. $0.0826
ACH Debit .............................................................................. $0.12
ACH Credit ............................................................................. $0.15
Checks Paid ............................................................................ $0.15
Withdrawals .......................................................................... $0.15
POS Debits ............................................................................. $0.12
POS Credits ............................................................................ $0.15
Depository Services
Branch Deposit ...................................................................... $0.15
Currency-Per Strap Purchased ............................................... $0.35
Coin- Per Roll Purchased ....................................................... $0.08
Currency- Per 1,000 Deposited .............................................. $0.35
Coin Wrapper- 1,000 Purchased ............................................ $4.00
Currency Straps- 1,000 Purchased ......................................... $4.00
General Account Services
Monthly Maintenance Fee .................................................. $15.00
Analysis Statement Fee ......................................................... $2.00
Other Fees
Returned Deposit Item
(deposited or cashed) .................... $10.00
Photocopy ............................................................................. $1.00
Deposit Correction Fee .......................................................... $5.00
(1) Accounts with no owner-initiated debits or credits for 11
months will be charged a Fee equal to the lesser of $35.00 or
the account balance. Excluding the eAccount.
(2) E-Statement customers will receive the last 3 printed
statements FREE when requested in the branch.
(3) Applies if you use your card to purchase goods or services in a
foreign currency or in U.S. dollars with a foreign merchant. Fee
also applies if you use your card to obtain foreign currency or
U.S. dollars from an ATM outside of the U.S. Normal ATM Fees
will also apply.
(4) Additional Fees may be charged by a Foreign ATM owner for
any transactions conducted on Non-Gold Key® ATMs.
(5) If your account is negative for seven (7) consecutive banking
days, we will charge you a Negative Balance Fee. For applicable
consumer accounts based on product type, we will waive this
fee if on the seventh (7) day your account is overdrawn $100
or less. Does not apply to Service 1 or Service 1 High Yield
Accounts. For Business Accounts, does not apply to Non-Profit
Organization or Unincorporated Association/Club accounts.
(6) FNBT checks deposited to FNBT accounts or FHNB checks
deposited to FHNB accounts.
(7) Applies to FNBT checks deposited to FHNB accounts and FHNB
checks deposited to FNBT accounts.
Please be advised that different or more favorable deposit and lending products may be available at FHNB-branded branches or at
www.fhnb.com. Services and prices may vary by location and are subject to change without notice. Some restrictions may apply.
