• $500 minimum deposit to open
• 50 free items deposited monthly, 20 cents per deposited item thereafter
• 75 free withdrawals monthly, 20 cents per withdrawal item thereafter
• $7.00 monthly service charge and 20 cents per check and all items deposited if below the minimum balance

• $1,000.00 minimum balance or $5,000.00 average collected balance

• $10.00 monthly service charge and $0.25 per withdrawal if below the minimum  or average collected balance

• Limit of 6 withdrawals per statement cycle (only 3 can be be check)

•  $25,000 minimum deposit 

• 3 free withdrawals per statement cycle $2.00 per withdrawal (of any kind) thereafter

• $10  monthly service charge for balances below minimum balance

• Limit of 6 withdrawals per statement cycle (only 3 can be by check)

Fees Based on Account Analysis

• No minimum balance

• $7.00 monthly service charge

• $0.15 per deposit charge

• $0.15 per check or withdrawal charge

• $2.00 charge for returned item processed against the account

• Deposited checks fees-on 1st Bank $0.06/check-Local clearing bank $0.08/check-Transit (Fed. Reserve)-$0.10/check

• Interest charge of 1% over New York Prime Rate on negative collected balance

• 3% reserve requirement deducted from ledger balance

• Credit computed monthly , made available to offset service charge

• Rates for interest bearing accounts are subject to change and may be obtained from 1st Bank.  Please come see us.