Personal Rates & Fees

Effective as of: June 12, 2020

Checking and Savings Accounts

NameProduct CodeMin to Recieve APYRateAPY
1st Executive Checking 1009
1st Elite Checking 1012
1st Rate Rewards Checking* 1015
1st Premium Money Market Account 1040
1st Select Savings 2001
1st Elite Savings 2012

RATES ARE SUBJECT TO CHANGE AT OUR SOLE DISCRETION. Please call us at (866) 384-3226 to verify updated rates and Annual Percentage Yields.
Fees could reduce the earnings on these accounts.
APY = Annual Percentage Yield.

*Monthly Requirements:
1.50% APY paid on balances up to $25,000.
.05% APY paid on balance over $25,000.
If account does not meet requirements during monthly cycle a .05% APY will be earned on the entire balance. $100 minimum opening deposit. No minimum blanance required. No monthly service charge. Must be a Yuma County or Santa Cruz County resident to open this account.

Certificates of Deposit

NameProduct CodeMin to Recieve APYRateAPY
7-31 Day 3000
32-89 Day 3001
90-179 Day 3002
180-364 Day 3003
1 Year 3012
18 Month 3018
2 Year 3024
3 Year 3036
4 Year 3048
5 Year 3060

RATES ARE SUBJECT TO CHANGE AT OUR SOLE DISCRETION. Please call us at (866) 384-3226 to verify updated rates and Annual Percentage Yields.
Fees could reduce the earnings on these accounts. Early withdrawal penalties may be imposed.
APY = Annual Percentage Yield.

Schedule of Service Charges and Fees

Effective as of: October 1, 2020; Subject to Change

Product or ServiceFee
Account Activity Printout (per page) $2.50
Check Copies $2.00 each over 5 per statement
Checks and Personalized Savings Forms prices may vary
Closed Account (if closed within 6 months) $35.00
Collection Item (Incoming and Outgoing $10.00
Debit Card Replacement Fee (Lost) $5.00
Dormant Account (per month)1 $7.00
Escheatment Fee $50.00
Fax Fee $2.00 + .50 per page
Foreign Exchange (all foreign checks must be in U.S. Dollars only) Custom
Garnishment/Levy (plus $30.00 per hour for research) $75.00
International Transaction Fee 1.10% of US Dollar value
IRA Internal Transfer Fee $15.00
IRA Setup Fee $25.00
IRA Closing Fee $25.00
Non-1st Bank Yuma ATM or Non-MoneyPass ATM Withdrawal $1.00 each
Non-Customer Check Cashing Fee $5.00
Non-Sufficient Funds (NSF)2 $32.00
Notary Service (Non-customers) $10.00 per request
Official Check $5.00
Overnight Card Delivery $40.00
Research (per hour) $30.00
Research Item (per page) $2.00
Return Deposit Item $7.00
Special Statements $3.00
Stop Payment $25.00
Wires (other fees may be assessed):
Incoming Domestic Wire $15.00
Outgoing Domestic Wire $25.00
Incoming International Wire $35.00
Outgoing International Wire $45.00
Zipper Bag $5.00

1 Accounts become dormant after 18-months of account inactivity.
2 A non-sufficient funds item may be created by check, in-person withdrawal, ATM withdrawal, or other electronic means. This fee is charged whether the item overdrafts the account and the item is returned or paid.