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First Bank of Baldwin - Now Account

Flat service fee if daily balance drops below $95.00* $5.00
Debit item charge per statement cycle (per item) 0-30 no charge
31 or more $.20 (per item)
Instant Cash or Instant Cash & Check Card or Gold Debit Card Fee (per month) Free
Instant Cash Card replacement or PIN # replacement $5.00

Fee Schedule

Stop payment order $25.00
Return check or electronic payment (NSF), or overdraft item (per item) $30.00
Certified check (per check) $15.00
Copies of checks (per copy) $3.00
ACH stop payment fee $25.00
Check printing (Fee is determined by check style)

Rate Information

Compounding frequency-Interest will be compounded monthly.

Crediting frequency-Interest will be credited into this account monthly.

Average daily balance computation method-Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.

Accrual of interest on noncash deposits-Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Minimum balance to open-The minimum balance required to open this account is $95.00.

Minimum balance to obtain the disclosed annual percentage yield-You must maintain a minimum average daily balance of $95.00 in your account to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.

Minimum balance to avoid a fee-If your balance falls below $95.00 on any day in the month, your account will be subject to a $5.00 Flat Service Fee for that month.

Deposit limitations-You may make an unlimited number of deposits into your account.

Fees and charges-the following fees and charges apply to this account:

-Debit item charge per statement cycle: 31 or more debits, $.20 per item.

*Fee is applied if balance drops below $95.00 at any point during one statement cycle period.
View Complete Fee Schedule


 
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990 Main Street - P.O. Box 2060 Baldwin, WI 54002
p:715.684.3366 - 800.499.4362 f:715.684.2624
onlinebanking@firstbankbaldwin.com