RATE AND FEE SCHEDULE
FREE CHECKING: Type 61
BASIC CHECKING NOW ACCOUNT: - Type 60
-
If you maintain $600.00 in the account each day of the statement cycle, the interest rate on this account is 0.10% with an annual percentage yield (APY) of 0.10%, otherwise no interest is paid.
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Basic Checking NOW Account has a monthly maintenance fee of $7.50 will be assessed if a minimum balance of $600.00 is not maintained.
PRIME REWARDS: Type 63
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The interest rate on this account is 0.10% with an annual percentage yield of 0.10%.
ANGIE'S CHOICE CHECKING: Type 71
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The interest rate on this account is 0.10% with an annual percentage yield of 0.10%.
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Angies Choice will rebate up to $20.00 in ATM Surcharges if the customer has used their ATM or Debit Card at least one time at either a ATM Machine or Merchant – (POS transaction -Pinned or Signature) during the cycle period.
REWARDS SHELBY CHECKING: Type 73
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The interest rate on this account is 0.10% with an annual percentage yield of 0.10%.
BUSINESS CHECKING: Types 65 & 67
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The interest rate on this account is 0.10% with an annual percentage yield of 0.10%.
MONEY MARKET: Type 75
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The interest rate on this account is 0.10% with an annual percentage yield of 0.10%.
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Money Market account has a per item fee of $10.00 for each withdrawals greater than 6 per month, excluding withdrawals at teller window.
HOMETOWN MONEY MARKET: Type 76
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Tier 1 - No interest will be paid the portion of your daily balance that is less than $1,000.00.
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Tier 2 - An interest rate of 0.50% will be paid only for that portion of your daily balance that is greater than $1,000.00, but less than $250,000.00. The annual percentage yield for this tier will range from 0.00% to 0.50%, depending on the balance in the account.
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Tier 3 - An interest rate of 0.25% will be paid only for that portion of your daily balance that is greater than $249,999.99. The annual percentage yield for this tier will range from 0.37% to 0.50%, depending on the balance in the account. The disclosed APY is based on a balance of $500,000.
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Hometown Money Market accounts have a per item fee of $10.00 for each withdrawal greater than 6 per month, excluding withdrawals at teller window.
HOMETOWN IRA MONEY MARKET: Type 80
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Tier 1 -No interest will be paid the portion of your daily balance that is less than $1,000.00.
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Tier 2 -An interest rate of 0.50% will be paid only for that portion of your daily balance that is greater than $1,000.00, but less than $250,000.00. The annual percentage yield for this tier will range from 0.00% to 0.50%, depending on the balance in the account.
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Tier 3 -An interest rate of 0.25% will be paid only for that portion of your daily balance that is greater than $249,999.99. The annual percentage yield for this tier will range from 0.37% to 0.50%, depending on the balance in the account. The disclosed APY is based on a balance of $500,000.
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Hometown IRA Money Market accounts have a per item fee of $10.00 for each withdrawal greater than 6 per month, excluding withdrawals at teller window.
STATEMENT SAVINGS: Type 01
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The interest rate on this account is 0.10% with an annual percentage yield of 0.10%.
(KISS)-- KEEP IT SIMPLE SAVINGS: Type 03
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The interest rate on this account is 0.10% with an annual percentage yield of 0.10%.
KISS SHELBY SAVINGS: Type 04
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The interest rate on this account is 0.10% with an annual percentage yield of 0.10%.
CHRISTMAS CLUB: Type 11
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The interest rate on this account is 0.01% with an annual percentage yield of 0.01%.
HEALTH SAVINGS ACCOUNT: Type 68
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The interest rate on this account is 0.10% with an annual percentage yield of 0.10%.
PUBLIC FUND - Subject to prior approval by First Federal's Board of Directors-Type 66:
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The interest rate on this account is 0.10% with an annual percentage yield (APY) of 0.10%.
The interest rates and annual percentage yield(s) are accurate as of June 17, 2020. At our discretion, we may change the interest rate(s) on each account daily. Each account may have a tiered interest rate. Subject to First Federal domicile requirement. Depositors must be domiciled in Shelby, Decatur or contiguous counties excluding Marion. See the Truth in Savings disclosure for each account for the complete terms and conditions.
COMMON FEATURES
Limits and fees - The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:
| ATM & Debit Card-Issuance |
Upon Qualification |
| ATM Daily Cash Withdrawal Limit |
$200.00 |
| Debit Card Daily Transaction Limit |
$1,000.00 |
| ATM & Debit Card- Replace Card |
$5.00 |
| Account Status Activity Printout/Teller |
$0.50 |
Account Research-Per Hour
*Minimum $10.00
|
$10.00 |
Account Reconciliation Service-Per Hour
*Minimum $10.00
|
$10.00 |
|
Check Printing - Fee depends on style of checks ordered - Varies
|
Copies of Canceled Checks
*one (1) free per month
|
$2.50 each
|
|
Internet Banking
|
$0.00
|
| Dollar Limit per day |
$9,999.99 |
Bill Pay
| Standard Delivery - No Charge |
$0.00 |
| Rush Delivery |
$14.95 |
Pop Money - Next Day
| Transaction Fee per transaction |
$0.50 |
| Daily Limit |
$100.00 |
| Outstanding Limit |
$100.00 |
| Monthly Limit |
$400.00 |
Pop Money - Standard - Third business day
| Transaction Fee per transaction |
$0.50 |
| Daily Limit |
$1,000.00 |
| Outstanding Limits |
$1,000.00 |
| Monthly Limits |
$4,000.00 |
| Night Deposit Bag - per bag |
$20.00 |
| Night Deposit Bag - replace or lost |
$20.00 |
| Night Deposit Key |
$2.00 |
| Night Depository Service |
No Charge |
| Insufficient Funds (each) |
$30.00 |
Overdraft Protection
| (ODP) Paid Item Charge (each) |
$30.00 |
| Overdraft (each overdraft paid) |
$30.00 |
| Insufficient Funds, Overdraft Protection (ODP), Paid Item Charge & Overdrafts (daily maximum) |
$120.00 |
| Returned ACH/Checks Deposited or Cashed |
$5.00 |
Return of cleared checks with monthly statements
| Basic Checking |
Image of checks |
| Free Checking |
None |
| Shelby Rewards Checking |
Image of checks |
| Angies Choice Checking |
Image of checks |
| Prime Rewards Checking |
Image of checks |
| Business-Organization Ck |
Image of checks |
| Money Market |
Image of checks |
| Health Savings Account |
Image of checks |
| Special Account Statement - Per Statement |
$5.00 |
| Stop Payment - per request |
$10.00 |
| Stop payment renewal - per request |
$10.00 |
| Sweep Transfer Fee - per sweep for each check |
$5.00 |
| Telephone Transfer from Checking or Savings (called directly to FF) per transaction |
$1.00 |
24 Hour Direct Teller Telephone- 833-838-1348
| Fax Copy of Statement |
$2.00 |
| Fax Last 30 Days History |
$2.00 |
| Dormant Account - per month |
$0.75 |
- A checking account is dormant if for one year
- A savings account is dormant if for three years
- There have been no deposits or withdrawals to the account
- There has been no communication about the account
- There has been no communication about any account
- Account statements returned for an incorrect address
OTHER SERVICE FEES
| Cashier's Check |
$3.00 |
| Check Cashing |
| Per check-qualified non customer |
$5.00 |
| Tax Refund Check-qualified non customer |
$20.00 |
| Coin Counting Service- Customers Only |
| Money Deposited |
No Charge |
| Money Not Deposited |
(Minimum $5.00) - 10% of counted money |
| Fax Machine |
| Send - 1st copy |
$5.00 |
| Send - Each Additional |
$1.00 |
| Receive - First Copy |
$1.00 |
| Receive - Each Additional Copy |
$0.50 |
| Garnishments |
$10.00 |
| Levies |
$10.00 |
| Notary Public - Customer |
No Charge |
| Notary Public - Non-Customer |
$1.00 |
| Photo Copies - per page |
$0.25 |
| Safe Deposit Boxes |
| Sizes 3" X 5" Through 10" X 11" Subject to Availability |
Contact Us for Specific Rental Rates |
| One Lost Key |
$10.00 |
| Vault Drilling |
$85.00 |
| Automatic Charge to Your Account Available at |
No Charge |
| Wire Transfer (incoming ) |
$20.00 |
| Wire Transfer (outgoing) |
$20.00 |
| International wire transfer |
$28.00 |
Greensburg - Downtown
212 North Franklin Street
Greensburg, IN 47240
812-663-6793
Fax-812-663-6796
Greensburg - Retail Sales Office - by Walmart
460 Greensburg Crossing
Greensburg, IN 47240
812-663-6793
Fax-812-663-6796
Shelbyville - on the square
25 Public Square
Shelbyville, IN 46176
317-398-7682
Fax-317-398-7691
