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FEES FOR ADDITIONAL FIRST COMMAND SERVICES

SAVINGS ACCOUNT FEES

SAVINGS 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. We’re confident that if you compare, you'll find them to be some of the lowest around.

ATM Transactions (per statement cycle)
Fee
Money Market Savings Account: 1–6 transactions
Free
Teen Money Market Account: 1–6 transactions
Free
Additional Transactions
$1.50 per transaction
ATM Surcharge (per statement cycle) 1
Rebate
Money Market Savings Account
$15.00
Teen Money Market Account
$15.00
Wire Transfers
Fee
Incoming
Free
Domestic
$20.00
International
$45.00
CD
Fee
Original maturity of less than 1 year
The fee imposed will equal 30 days interest on the amount withdrawn
Original maturity of more than 1 year
The fee imposed will equal 90 days interest on the amount withdrawn
Other Services
Fee

Replace Lost/Damaged Debit Card

$0
Place a Stop Payment
$20.00
Non-sufficient Funds
$29.00 per item
Returned Deposits
$5.00 per charge back or redeposit
Money Market Savings Account Excess Withdrawal Fee
$10.00 per withdrawal
Collection for Forwarded Payment
$20.00 per item
Research/Dispute Account History One hour minimum
$15.00 per hour
Collection for Forwarded Payment
$20.00 per item
Request Copy of Check
$2.00
Foreign Item Collection Non cash item
Varies (minimum amount of foreign item must be $50.00 U.S.)

1. First Command Bank does not charge a fee for the first 10 ATM withdrawals per statement cycle, each additional ATM withdrawal will be charged $1.50. We also do not charge a fee for the first 10 transactions when FCB Debit is used at ATMs in the MoneyPass® network or NYCE networks. Additional transactions are also charged at $1.50 each. We will reimburse ATM surcharges charged by non-FCB ATMs up to $15 per statement cycle.

Common Savings Account Fees 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 protection: The Overdraft 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 Program provides an Approved Overdraft Limit of $500. The Overdraft Program is not available on the Money Market Savings and Teen Checking account.

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.

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 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 OnCommand Account Alerts to monitor your account activity.
  • Review your account statements monthly with eStatements.
  • Schedule your bill payments in OnCommand or MobileCommand to get more control over when funds move out of your account.
  • Take action quickly to deposit funds when needed: easily transfer funds between your accounts using OnCommand and MobileCommand.
  • Deposit a physical check in minutes using the MobileCommand app on your iPhone or Android smartphone.
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First Command
Financial Services
P.O. Box 2387
Fort Worth TX
76113-2387

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©2023 First Command Financial Services, Inc. is the parent company of First Command Brokerage Services, Inc. (Member SIPC, FINRA), First Command Advisory Services, Inc., First Command Insurance Services, Inc. and First Command Bank. Securities products and brokerage services are provided by First Command Brokerage Services, Inc., a broker-dealer. Financial planning and investment advisory services are provided by First Command Advisory Services, Inc., an investment adviser. Insurance products and services are provided by First Command Insurance Services, Inc. Banking products and services are provided by First Command Bank (Member FDIC, Equal Housing Lender, Equal Housing Opportunity, NMLS 562238). 

Securities are not FDIC insured, have no bank guarantee and may lose value.  A financial plan, by itself, cannot assure that retirement or other financial goals will be met. 

First Command Financial Services, Inc. and its related entities are not affiliated with, authorized to sell or represent on behalf of or otherwise endorsed by any federal employee benefit program, the U.S. government, the U.S. Armed Forces or any other third-party mentioned on this site. 

In the United Kingdom, investment and insurance products and services are offered through First Command Europe Ltd. First Command Europe Ltd. is a wholly owned subsidiary of First Command Financial Services, Inc. and is authorized and regulated by the Financial Conduct Authority. Certain products and services offered in the United States may not be available through First Command Europe Ltd. In Germany, we provide financial planning services through Financial Planners associated with First Command Europe Ltd.

The First Command Educational Foundation is a separate 501(c)(3) public charity and is not affiliated with First Command Financial Services, Inc., or any of its affiliated entities. 

About the First Command Financial Behaviors Index®

Compiled by Sentient Decision Science, Inc., the First Command Financial Behaviors Index® assesses trends among the American public’s financial behaviors, attitudes and intentions through a monthly survey of approximately 530 U.S. consumers aged 25 to 70 with annual household incomes of at least $50,000. Results are reported quarterly. The margin of error is +/- 4.3 percent with a 95 percent level of confidence. To learn more about the First Command Financial Behaviors Index, contact us at marketinginbox@firstcommand.com or visit www.firstcommand.com/about-us/advisor-difference.

About Sentient Decision Science, Inc.

Sentient Decision Science was commissioned by First Command to compile the Financial Behaviors Index®. SDS is a behavioral science and consumer psychology consulting firm with special vertical expertise within the financial services industry. SDS specializes in advanced research methods and statistical analysis of behavioral and attitudinal data.