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Bank Fees

Fees for Additional First Command Bank Services

Checking Account Fees

Checking Accounts

A complete breakdown of our service charges.

While First Command is committed to enhancing the value of your accounts by keeping costs low, some fees are necessary to cover additional services.

Common Personal Banking Questions

At First Command we encourage responsible financial management, but we recognize that there are times when you need some flexibility. That’s why we offer two types of overdraft plans: The Overdraft Protection Program and Coverdraft.

An overdraft occurs you don’t have enough money in your account to cover a transaction, and we pay it anyway (fees apply). The Overdraft Protection Program provides an Approved Overdraft Limit of $500. The Overdraft Protection Program is not available on the Money Market Savings account or First Checking or Savings accounts.

Coverdraft automatically transfers funds directly from another First Command Bank Deposit account when there are insufficient funds in your checking account at the time of the withdrawal/transaction. Coverdraft is not available on First Checking or First Savings accounts.

Note: We reserve the right not to pay an overdraft if your account is not in good standing, if you aren’t making regular deposits or if you have too many overdrafts. To learn more about overdraft protection, please refer to the Depository Agreement and Disclosures booklet.

eStatement users will receive a notification email detailing the transaction(s) and fee(s) for the items paid under the Overdraft Protection Program. If you’re not an eStatement user, we’ll send you a notice by mail.

Ideally, by paying a little extra attention to your account you won’t even need overdraft protection. Here are a few ways to avoid overdrafts on your account:

  • Know your current balance and keep track of your spending.
  • Use online banking alerts to monitor your account activity.
  • Review your account statements monthly with eStatements.
  • Schedule your bill payments in online banking to control when funds move out of your account.
  • Take action quickly to deposit funds when needed. Funds can be easily transferred between your accounts using online banking.
  • Deposit a physical check in minutes using our online banking app on your iPhone or Android smartphone.

1. We do not charge a fee for ATM transactions when a FCB Debit or ATM card is used at ATMs in the MoneyPass® or NYCE networks. When you use an ATM not owned by us, you may be charged a fee by the ATM operator/network. As a client benefit, First Command Bank refunds ATM Surcharge Fees up to $10.00 per statement cycle. Some ATM operators/networks do not identify these fees in the information they send to us and, as a result, we may not automatically refund the fee. If the refund is not processed, please contact us.