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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 $20.00
Return check or electronic payment (NSF), or overdraft item (per item) $25.00
Certified check (per check) $15.00
Copies of checks (per copy) $3.00
ACH stop payment fee $20.00
Check printing (Fee is determined by check style)

Rate Information

Minimum balance requirements

A deposit of at least $95.00 is required to open this account.

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.

Balance computation method

We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Compounding and crediting

Interest for your account will be compounded monthly and credited to your account at the close of the business day on the date on your statement.

Accrual of interest on deposits other than cash

Interest begins to accrue on the business day you deposit non-cash items (e.g., checks).

*Fee is applied if balance drops below $95.00 at any point during one statement cycle period.
**Annual Percentage Yield


View Complete Fee Schedule


 
Member FDIC
©2008 First Bank of Baldwin. All Rights Reserved. Privacy Policy
990 Main Street - P.O. Box 2060 Baldwin, WI 54002
p:715.684.3366 - 800.499.4362 f:715.684.2624
onlinebanking@firstbankbaldwin.com