Disclosures
- - General
- - Privacy
- - 1st Online
- - Fees
- - Savings Disclosure
- - Visa Platinum
- - Visa Platinum Rewards
Contact Center Hours
Need Assistance?
The Contact Center is available to assist you during the following hours:
Monday-Friday: 8am-6pm
Saturday: 9am-12pm
Main Office
Phone: 260.471.8336
Toll-Free: 800.728.8943
Holiday Schedule
Report Lost/Stolen Card
Privacy Notice
Disclosures

Partners 1st Fee Disclosure
General Fees
| 1st Online Set-up |
FREE |
| Account Closing (if within 90 days of opening) |
$5 |
| Amortization Schedule |
$5 |
| ATM withdrawals over 10 per month |
$2 |
| ATM/POS Overdrawn Fee (transaction resulting from non-sufficient balance) |
$30 |
| Check Cashing Service |
$5 |
| Check Printing |
Varies |
| Coin Counting |
3% or 5% |
| Credit Card Rush Replacement |
Actual Cost |
| Express Check |
Weekday - $10.50 / Saturday - $17.50 |
| Fax (per page) |
$3 |
| Federal Express Mail |
Weekday - $10.50 / Saturday - $17.50 |
| Inactive Accounts (per month) |
$5 |
| Inactive Bill Pay (no bills paid last 90 days) |
$2.00/mo |
| Incorrect Address (over 30 days) |
$5 |
| Levies, Garnishments, Attachments |
$50 |
| Online Bill Pay Service |
FREE |
| Overdraft (Savings or Loan) |
$4 |
| Paid Items (as a courtesy) |
$30 |
| Per ATM Deposit Offage |
$5 |
| Per Card/Pin Reissue(ATM, Compu-teller, 1st Online) |
$5 |
| Per Check Reject (error from any non-endorsed check printer) |
$1 |
| Per Collection of Foreign Items |
$10 |
| Per Commercial Money Order |
Actual Cost |
| Per Domestic Wire Transfer |
$15 |
| Per Hour Balance Assistance (first time free) |
$15 |
| Per Interim Statement |
$5 |
| Per International Wire |
$25 |
| Per Returned Deposit Item |
Less of $30 or check amount |
| Per Returned Item |
$30 |
| Per Stop Payment |
$20 |
| PIN Point of sale Fee (per debit transaction) |
$.50 (read more ») |
| Research (per hour - 1 hour minimum) |
$15 |
| Safe Deposit Box Rental |
Standard fees |
| Temporary Check Pack |
$5 |
| Visa Gift Cards |
$3.95 |
| Visa International Transaction (1% Visa assessed, 1% processing charge) |
2% of transaction amount |
Partnership Level Fee Schedule
| Partnership Level |
Level 1 (High) |
Level 2 (Mid) |
Level 3 (Basic) |
| Loan Rate Discounts |
Yes |
Yes |
---- |
| Certificate Bonus Rates |
Yes |
Yes |
---- |
| Identity Theft Protection |
FREE |
Optional |
Optional |
| 1st Online (Online Banking) |
FREE |
FREE |
FREE |
| $3000 Accidental Death & Dismemberment Insurance |
FREE |
FREE |
FREE |
| ATM/Visa Debit Card |
FREE |
FREE |
FREE |
| Auto Blue Book Valuations |
FREE |
FREE |
FREE |
| E-Statements |
FREE |
FREE |
FREE |
| FICO Credit Score Consultation |
FREE |
FREE |
FREE |
| Online Bill Pay |
FREE |
FREE |
FREE |
| Discounted Prescription Drug Card |
FREE |
FREE |
FREE |
| ATM withdrawals, over 10/month (for savings only & HSA members only) |
No Charge |
$1.00 |
$2.00 |
| Amortization Schedule |
No Charge |
$3.00 |
$5.00 |
| Cashiers Check Charge |
No Charge |
$2.00 |
$3.00 |
| Check Cashing Charge |
No Charge |
$3.00 |
$5.00 |
| Coin Counting (3% for $250-$1000, 5% for $1000+) |
No Charge |
3% or 5% |
3% or 5% |
| Copy of Statement, Tax Info, Check/Draft, Credit Card Sales Slip |
No Charge |
$3.00 |
$5.00 |
| Credit Card Rush Replacement |
No Charge |
Actual Cost |
Actual Cost |
| Fax (per page) |
No Charge |
$2.00 |
$3.00 |
| Incorrect Address (over 30 days) |
No Charge |
$3.00 |
$5.00 |
| Per Card/PIN Reissue (ATM, Compu-teller, 1st Online) |
No Charge |
$3.00 |
$5.00 |
| Per Interim Statement |
No Charge |
$2.00 |
$5.00 |
| Research (per hour, 1 hour minimum) |
No Charge |
$15.00 |
$15.00 |
| Temporary Check Pack |
No Charge |
$3.00 |
$5.00 |
| Personal Checking Accounts |
| ATM Withdrawals (over 5/mo - 1st Rewards Checking) |
No Charge |
$1.00/ea |
$2.00/ea |
| ATM Withdrawals (over 10/mo - Partners 1st Classic, Classic 1st, Premium 1st and Fresh Start Checking) |
No Charge |
$1.00/ea |
$2.00/ea |
| Below $300 Minimum Balance (Partners 1st Classic Checking) |
No Charge |
$2.00/month |
$4.00/month |
| Below $5,000 Minimum Balance (Premium 1st Checking) |
No Charge |
$3.75/month |
$7.50/month |
| Overdraft from Savings, Creditline, Creditline Premier or Visa |
No Charge |
$2.00 |
$4.00 |
There is no charge for cashiers or counter checks if made payable to the government or to the member. Ask for a complete copy of our check
cashing policy for specifics and exceptions. Most fees based on per occurrence or per month. Privilege Pay loans do not qualify as loans for determining Partnership Levels. Loan discounts are lost if moving to another tier with different discount. Must qualify for loan rate discount
before disbursement. Organizations, accounts with a negative balance write off, charged off loan, chapter 7 or 13 and accounts with a loan
delinquent 25 or more days are assigned to Level 3. Direct deposit or payroll must be via ACH. Review our share disclosure for account details. Annual Percentage Yield for
certificates assumes monthly compounding when yield different from rate. Information based on fixed rate investments and early withdrawal
penalty applies. Some services such as identity theft protection and accidental death & dismemberment insurance require a sign up form. Inactive members are classified as having no account activity for six months or more, no checking account, no open loan (regular or credit card), no investment, and total deposits of less than $500.