Personal Services
ATM Services
ATM
Account information is available at any NewFirst ATM with no fee and NewFirst ATM’s are located at most branch locations. Refer to Locations & Hours to view ATM locations. The NewFirst National Bank fee for non – NewFirst ATM usage is $1.00 per transaction except for the following accounts:
- Five Star Checking – (No NewFirst ATM fees and automatic reimbursement of other Bank’s ATM fees up to $10.00 per monthly statement cycle)
- First Choice Checking – (No NewFirst ATM fees)
- E – Freedom Checking – (No NewFirst ATM fees)
Check Card
Offers the convenience of a credit card and the ability to access account status and cash 24 hours a day. The card may be used instead of writing a check to purchase products or services anywhere the MasterCard logo is displayed. NewFirst reserves the right to block certain transactions based upon fraudulent activity.
- No Annual Fee
- Accepted anywhere MasterCard is taken
- 24-Hour access
- Cash availability
- No fee for withdrawals at NewFirst ATM Locations
- Use card instead of writing checks
- Carry card instead of cash
- $5.00 Check Card replacement fee per card
- Check Card Application
Bookkeeping Services
Chargeback
Chargebacks are most often used to reverse financial charges related to unacceptable transactions or insufficient funds. When a Chargeback occurs NewFirst National Bank will mail a letter with the returned item notifying the customer of the chargeback. The fee for Chargebacks are $5.00 each.
Collections
Collections is a service that allows for the collection of checks or drafts. NewFirst National Bank will send out a collection letter, receive the funds and deposit the funds into the account as soon as the funds are received. After the funds are received there is no risk of them being returned.
The Collection fees are:
- Incoming Collections $5.00
- Outgoing Collections $10.00
- Collections Unpaid $5.00
Direct Deposit
Direct deposit payroll, social security, or retirement checks into checking and savings accounts for immediate access to funds.
- No fees
- Immediate Availability
- Electronic deposit
- Immediate access to funds
Hold Statement
NewFirst National Bank will hold Bank Statements at the customers request for pickup at their designated branch. The fee for holding a Bank Statement is $3.00 per month, per account and only accessible to authorized individuals.
Levy / Garnishment
If NewFirst National Bank receives a Levy / Garnishment request from the Federal or State Government, NewFirst must comply and honor the request. The fee for Levy / Garnishment is $35.00 each.
Overdraft Privilege*
The Overdraft Privilege service is available on eligible personal checking accounts that are used for household purposes and have been open for at least 30 days. Rather than returning an Insufficient Funds Item unpaid, NewFirst may pay the item(s) up to the Overdraft Privilege limit as a discretionary courtesy. The normal Overdraft / Insufficient Funds Fee of $28.00 per item will apply with each item that would create an overdraft and a notice will be mailed each time an overdraft occurs. The customary Overdraft / Insufficient Funds Item Fee is included in the $700.00 limit. An Insufficient Funds Item may be created by check, in-person withdrawal, ATM withdrawal or other electronic means. For more details of the Overdraft Privilege service and all qualifying criteria, see the Overdraft Privilege service policy.
Overdraft Protection
Overdraft Protection may be established to ‘protect’ a NewFirst checking account by linking another NewFirst checking, money market or savings account. Money Markets and Savings have withdrawal limitations and additional fees may result if limits are exceeded. Transfers are made automatically to cover Insufficient Fund Items and to avoid overdraft charges, up to the available balance of the account.
- All transfers are in minimum increments of $100.00
- $2.00 transfer fee for all transfers
Research
NewFirst customers may have their account statements researched or balanced for $25.00 per hour and $2.00 per copy.
Statement / Document Copy
Receive extra copies of NewFirst Bank Statements or Documents for a fee of $2.00 per copy. NewFirst customers may also view current or previous statements online with E-Banking and have the option to download Bank Statements or enroll in E-Statements and safekeep your E-Statement on E-Banking up to 12 months or store indefinitely on your own computer.
Stop Payment / Renewal
NewFirst customers can place a Stop Payment on a check or renew a Stop Payment that has expired from any branch location. Stop Payment is also available to business customers with E – Corp. Stop Payments will remain in effect for six months. The Stop Payment / Renewal fee is $28.00 per check.
Telephone Inquiry or Transfer with Customer Service
NewFirst National Bank Customer Service may transfer funds between NewFirst accounts at the customers request. There is a fee of $3.00 for each transfer or inquiry.
Lobby Services
Automatic Transfer
An Automatic Transfer of funds may be established to transfer between NewFirst accounts with a pre-determined amount, date and frequency. The frequency options are weekly, bi-weekly, monthly, bi-monthly, quarterly, semi-annually and annually. The is no fee for transferring from checking to savings accounts; however, transfers from money market accounts or savings accounts are limited and excess withdrawals will result in fees and possibly closure and re-classification of the account.
CDARS
The CDARS (Certificate of Deposit Account Registry Service) program currently offering FDIC Insurance up to $50 million. CDARS is available for all types of investors including individuals, partnerships, corporations, associations, and public organizations.
Close Account
If a NewFirst account is closed within 90 days of opening, there is a fee of $25.00
Deposit Lock Bag & Deposit Zipper Bag
The Deposit Lock Bag and Deposit Zipper Bag are ideal for storing coins, currency, checks and documents. Both the Deposit Lock Bag and Deposit Zipper bag are made out of a durable material that make it possible for these bags to withstand the wear and tear of daily abuse. The Deposit Zipper bag is included with all business checking accounts and is for lobby use only. Two keys are included with the Deposit Lock bag. The Deposit Lock Bag is for Night Depository use only.
Endorsement Guarantee
An Endorsement Guarantee is provided to customers when requesting either cash or exchange for an official check for a check drawn on another financial institution. The fee for an Endorsement Guarantee is $5.00.
Notary Services
NewFirst customers may have documents notarized at branch locations during normal business hours free of charge.
Safe Deposit Box
Secure valuables and important documents in a Safe Deposit Box at NewFirst National Bank. Safe Deposit Boxes are available at most NewFirst locations. Sizes and annual rentals are:
- 3 x 5 - $15.00
- 4 x 5 - $20.00
- 5 x 5 - $25.00
- 3 x 10 - $30.00
- 4 x 10 - $40.00
- 5 x 10 - $45.00
- 8 x 10 - $50.00
- 10 x 10 - $65.00
There is an additional fee of $10.00 for manual billing and an additional fee for past due rent at $10.00 per month. A $10.00 key deposit is required per box. Box drilling is $150.00. Sizes may vary at different NewFirst locations. Safe Deposit Boxes are not FDIC insured.
Signature Guarantee
NewFirst National Bank will provide a Signature Guarantee to customers who request an endorsement of a stock certificate or investment security. The fee for a Signature Guarantee is $20.00. The maximum transaction value is $100,000.
Wire Transfer
Send or receive funds electronically to or from NewFirst National Bank with another financial institution. Wire transfers provide a fast and secure way to send and receive money. As soon as the wire is received the funds are considered collected and available for immediate use. NewFirst National Bank customers may request an outgoing wire transfer in person, by fax, phone, E – Corp or mail. Transfer requests by fax, phone or mail will be accepted only if a Wire Transfer Agreement is in place. A call back will be made to verify the information via a recorded line. Outgoing wire transfers may be transferred the same day before the cut-off time of 2:30 p.m. Outgoing wire requests received after 2:30 p.m. will be transferred the next business day. The fees for outgoing wire transfer are:
- Outgoing / Domestic $15.00
- Outgoing / Foreign Currency $50.00
- Outgoing / International $35.00
- Outgoing / Domestic / E – Corp $10.00
- Outgoing / Foreign Currency / E – Corp $40.00
- Outgoing / International / E-Corp $25.00
Funds from incoming wire transfers that have been received before 4:00 p.m. will be available in the account the same business day. Any incoming wires received after 4:00 p.m. will be processed on the next business day. The fee for an incoming wire is $5.00.
Lending Services
Installment Loan Coupon Book
Installment loan customers may use coupon books containing coupons or slips for each loan payment. The coupons / slips state the amount and the date the payment is due. The fee is $10.00 to re-order an Installment Loan Coupon Book.
Loan Amortization / History Schedule
The Loan Amortization / History Schedule is a record of loan or mortgage payments, showing payment number, payment amount (and a breakdown of how much is principal and how much is interest) and the balance owed after a payment has been made. Loan Amortization / History Schedules are available to NewFirst loan customers for $5.00 per loan.
Online Services
E - Banking / BillPay
E - Banking allows account access 24/7.
- View recent debits/credits posted
- Transfer between NewFirst accounts (you must be an authorized signer on both accounts)
- Retrieve front and back copy of canceled check(s)
- Download account activity to a variety of financial programs including Quicken and Money
- There is no fee for E - Banking.
To learn more about E – Banking see the E – Banking brochure or visit the Online Education Center to preview E – Banking.
BillPay is an additional convenient service available with Internet Banking and allows for a quick and easy payment of bills online. BillPay may be used for a:
- One-time bill
- Repetitive bill
- Variable Repetitive bill
- Fixed and Variable bill
See the BillPay brochure to learn more about fees that may apply for the BillPay service or preview BillPay at the Online Education Center.
E - Statement
E-Statements are the same as a paper statement, only you can view them online, electronically.
- View confidential information and documents through NewFirst’s secure internet site and no longer worry about the possibility of identity theft or mail fraud.
- Safekeep E - Statements on E - Banking for future reference up to 12 months or store indefinitely on your own computer.
- Protect financial information and no longer worry about when and how to destroy paper statements.
- Receive E - Statements days before paper statements are received in the mail.
There is no fee for E – Statements and the maintenance fee on all personal checking accounts is reduced for customers enrolled in E - Statements. E-Statements are available to all NewFirst customers, both Personal and Business.
Tellers
Cashier’s Checks & Money Orders
Cashier’s Checks and Money Orders may be issued by NewFirst National Bank and purchased with cash or collected funds. The maximum amount for Money Orders is $1,000.00.
The fees are as follows:
Cashiers Checks Money Orders
- Five Star Checking Account Free Free
- First Choice Checking Account Free Free
- Senior Star Checking Account Free Free
- NewFirst National Bank Customer $3.00 $1.00
Check-Cashing
NewFirst National Bank allows for non-customers to cash some types of checks. The Check-Cashing fee for a non-customer is $5.00 minimum or 2%.
Check Order
Clarke American is the preferred vendor for NewFirst.
- Personalized checks ordered from an outside vendor.
- Large variety of check designs are available
- Contact us at any of our convenient locations for a complete list of styles and pricing
- Reorders are available online or by phone directly with Clarke American.
Gift Card
Giving the right gift just got easier with a MasterCard Gift Card from NewFirst National Bank. Gift Cards are $2.00 each.
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More flexible than gift certificates and gift cards from a single retailer
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As easy as using a credit card
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Can be used to make purchases at millions of locations worldwide displaying the MasterCard logo – including merchants, online and even mail or phone orders
Gift Check
American Express Gift Checks are a unique alternative to buying a gift and are accepted worldwide by merchants that accept American Express Travelers Cheques. American Express Gift Checks are $2.50 each.
- American Express Gift Checks are available in denominations of $25, $50 and $100
- Replaceable if lost or stolen
- No expiration date
Temporary Checks
Temporary Checks are available for NewFirst customers at $1.00 per check.
Travelers Cheques
Travelers Cheques are accepted Worldwide and are a safe alternative to cash when traveling. Travelers Cheques are available in $50 and $100 denominations. The fee for Single Signature Travelers Cheques is 1% and 1.50% for Checks for Two Travelers Cheques. Single Signature Traveler Cheques are available with the following accounts without a fee:
- Five Star Checking Account
- First Choice Checking Account
- Senior Star Checking Account
Telebanking
Access to all account information 24 hours a day.
- English or Spanish
- Transfer of funds
- Free Statement Faxes
- Interest Rates
- Loan Payments
- Recent Debits / Credits
*$700 Overdraft Privilege - Transactions that may cause or create overdrafts using your ODP limit: NSF transactions initiated for payment against your checking account may be paid by us using your assigned ODP limit, including our fees, our NSF/OD fee may be imposed for paying, or not paying, overdrafts you create by: checks; in person (teller) withdrawal; ATM withdrawal; or other electronic means. See ODP, Overdraft Privilege Service Policy for more details.
