Fee Schedule

Fees listed below are based on regular FCB Banks customer eligibility. 49er Gold Club customers’ fees may be discounted or waived. Non-customers may be charged a higher fee. For a complete fee schedule, please contact us.

Account Fees

Account Reconciliation

$15.00/hour

Canadian Check Clearing

$5.00

Copy of Check

$1.00 each

Copy of Statement

 $3.00 each

Dormant/Inactive Account Fee

$2.00/month

Research Fee

$20.00/hour

Special Statement Cycle

$3.00

Stop Payment Fee – Location/Phone

$20.00

Stop Payment Fee – Online

$15.00

Telephone Transfer  $3.00
Insufficient Funds and Returned Item Fees

Check Reject Fee

$1.00 per check

Collection Item

$20.00 

Insufficient Loan Payment Fee

$23.00 each

Paid NSF Item

$28.00 each+

Returned Deposited Item Fee

$3.00

Returned NSF Item

$23.00 each+

Overdraft Protection

$10.00/transfer; no annual fee

Continued Negative Balance Fee

$30.00 every five business days account remains negative regardless of balance+

+This fee applies to overdrafts created by check, in-person withdrawals, ACH debits, automatic bill payments, recurring debit card transactions, other fees and service charges, or other transactions using your account number. This may apply to everyday ATM withdrawals, and debit card purchases for accounts that opt-in. 

Consumer accounts will incur no more than 5 charges for NSF items paid or returned per business day.  In addition, consumer accounts that are overdrawn less than $10, will incur no charges for NSF items, paid or returned.  Continued Negative Balance Fee of $30 will be charged every 5 business days, regardless of balance.  

Miscellaneous Fees

ACH Addenda (CTX) Statement

$5.00/Free Online

ATM Transaction – Domestic

Free*

ATM Transaction – International

$3.00

ATM/Debit Card Replacement

$10.00

Bank Medallion Signature Guarantee

$5.00 

Bank Signature Guarantee

$3.00

Cashier’s Check

$5.00 / $7.00 Non-customer

Check Cashing Fee

Varies

Credit Inquiry

$5.00

Fax Services

$5.00 for first page;
$0.25/additional page

Folded Money

Varies

Foreign Check Clearing

Varies

Foreign Currency Exchange

Varies

Gift Cards

$2.00 - 49er Gold Club Card Purchase

$4.00 - Customer Card Purchase

$6.00 - Non-customer Card Purchase

License Sticker Renewal Fee

$5.50

Loan Amortization Schedule

$3.00

Money Order

$2.00 / $3.00 Non-customer

Mortgage Release - Partial

$50.00

Mortgage Subordination Fee

$150.00

Notary Fee

$1.00

Reloadable Cards

$5.00 - Customer Card Purchase

$9.00 - Non-customer Card Purchase

$4.00 - Reload

(Purchase price is waived when you use check cashing service.)

Special Loan Statement

$3.50

Travel Cards

$5.95 - 49er Gold Club Card Purchase

$7.95 - Customer Card Purchase

$9.95 - Non-customer Card Purchase

Utility Payment Fees

Varies

Undeliverable Statement/Mail

$5.00/month

Vehicle Title Service

$25.00

2 Signatures Required

$25.00/month

*Surcharge fees may be charged at non-FCB and non-MoneyPass ATMs by that ATM’s owner

Online Service Fees

Android Pay, Apple Pay & Samsung Pay

Free** 

Bill Payment – Consumer Account

Free with unlimited transactions

Bill Payment – Business Account

$3.99 monthly fee with 10 free transactions;
$0.30/additional transactions

Bill Payment - Stop Payment

 $20.00

Card Valet

Free** 

Mobile Banking

Free**

Mobile Deposit

$0.50/deposit

Online Banking

Free

Popmoney® - Regular Payment

$0.25 - $0.75**

Popmoney® - Next Day Payment

$0.50 - $1.50**

Popmoney® - Request Funds

$0.50 - $1.50**

Tablet Banking

Free**

**Standard text and data rates may apply

Wire Transfer Fees

Incoming Wire Transfer

Free

Outgoing Wire Transfer

$15.00

Outgoing Foreign Wire Transfer

$45.00

 

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