Effective 10/9/2026 FirstOak Bank will charge the following deposit account fees
The following fees and charges may be assessed against your account:
| Check printing fees vary by the style of check ordered. | vary |
| Overdraft fee will be charged per item for covering overdrafts created by check draft, or other electronic means. | $36 |
| Continuous Overdraft Fee (charged per day after 7th calendar day) | $6.00 |
| Account Reconciliation | $20.00 |
| Bank Official Check (Money Order) | $3.00 |
| Bill Pay (per month) | $3.00 |
| Cash Management Fee | $25.00 |
| Cashiers Check | $5.00 |
| Collect – out (Including Canada) | $15.00 |
| Collections – In | $15.00 |
| Copies – Letters/Legal | $1 |
| Counter Checks (per 12) | $10 |
| Currency Coin Fee | $25 |
| Debit Card Replacement (after first replacement card) | $10 |
| Dormant Account Fee for checking (12 months of inactivity with balance less than $500.00) | $5 |
| Early Closure Fee (within 90 days of opening) | $15.00 |
| Fax (first page) | $3.00 |
| Fax (pages additional after first page) | $1.00 |
| Foreign Item Collection ($200.00 minimum account balance) – Plus cost | $50.00 |
| Garnishment or Levy | $25.00 |
| International or Domestic Incoming wire – Customer | $10.00 |
| International or Domestic Incoming wire – non-customer | $75.00 |
| International Outgoing Wire | $75.00 |
| Lockbox | $75.00 |
| Night Deposit Lock Bog | $75.00 |
| Non-Customer transaction fee – % or a minimum of | $10.00 |
| Outgoing Domestic Wire | $25.00 |
| Overdraft Fee (per Item) | $36.00 |
| Real Estate Appraisal Duplicate Copy Fee | $15.00 |
| Remote Deposit Capture (monthly) | $25.00 |
| Representative Payee | $175.00 |
| Research (per hour) | $50.00 |
| Returned Check fee | $36.00 |
| Safe Deposit Box Annual Fee (10×10 Fredonia Pueblo Branch) | $75.00 |
| Safe Deposit Box Annual Fee (3×10 Fredonia Main Bank Branch) | $35.00 |
| Safe Deposit Box Annual Fee (4×5 Fredonia Branch) | $15.00 |
| Safe Deposit Box Annual Fee (5×10 Fredonia and Main Bank Branch) | $40.00 |
| Safe Deposit Box Annual Fee (5×5 Fredonia Branch) | $20.00 |
| Safe Deposit Box Drill Out Fee | Actual Cost |
| Special Statement/Additional Copies/Account Printouts (per account) | $3.00 |
| Stop Payment fee | $25.00 |
| Sweep fee | $3.00 |
| Water Bill Accounting | $100.00 |
| Zipper Bag (1st free) | $10.00 |
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