First Northern Bank and Trust Company

Headquarters: Palmerton, Pennsylvania
Charter: Bank
Assets: $921.5M
Fed district: Philadelphia

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
First Northern Bank and Trust Company: $15
First Northern Bank and Trust Company: $15
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $13.50, the middle of its prices
First Northern Bank and Trust Company: $7 to $20
First Northern Bank and Trust Company: $7 to $20
U.S. median: no median
Stop Payment
First Northern Bank and Trust Company: $30
First Northern Bank and Trust Company: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Bring fees, filings and market context together.

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Published fee schedule

Amounts from First Northern Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Early Closing of AccountClub Account$20
Dormant fee$5
per month
Dormant fee$12
Not compared: Quarterly charge, not monthly
per quarter
Hourly Account Reconcilement$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Fee (monthly)$2.50
per month

Overdraft & NSF

Bounce Protection per Paid Item:Tier 1$15
Overdraft Protection Transfer$10

ATM & Card

Replacement Card Fee$5

Wire Transfers

Outgoing Wires$7
Wire Transfer Fees: Outgoing$20
Incoming Wires$2
Wire Transfer Fees: Incoming$10
International Wire Transfer Fee$35

Check Services

Treasurer’s Check$10
Money Order$5
Stop Payment$30
Counter Checks (Set of 4)$4
Collection Item: Incoming/Outgoing$20

Digital & Electronic

ACH per File$5
per item

Account Services

Drilling Box$250
Not compared: Box drilling or key fee
Lost Key$20
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$95
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$95
Safe Deposit Box 2 x 5$15
Safe Deposit Box 2 x 5 (audience not stated, treated as personal)$15
Safe Deposit Box 3 x 10$35
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$35
Safe Deposit Box 3 x 5$20
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$20
Safe Deposit Box 4 x 5$25
Safe Deposit Box 4 x 5 (audience not stated, treated as personal)$25
Safe Deposit Box 5 x 10$70
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$70
Safe Deposit Box 5 x 5$30
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$30
Safe Deposit Box 7 x 10$80
Safe Deposit Box 7 x 10 (audience not stated, treated as personal)$80
Writ of Execution/Garnishment$150

Lending Fees

Late Payment (30 days)$10

Other Fees

Duplicate Monthly Statement$5
Not compared: Monthly charge, not per item
per month
Fax: First Page$3
Special Statement Request$5

Fee	Amount	Basis	Note
Account Maintenance
Early Closing of AccountClub Account	$20	Not stated	None
Dormant fee	$5	per month	None
Dormant fee	$12Not compared: Quarterly charge, not monthly	per quarter	None
Hourly Account Reconcilement	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Fee (monthly)	$2.50	per month	None
Overdraft & NSF
Bounce Protection per Paid Item:Tier 1	$15	Not stated	None
Overdraft Protection Transfer	$10	Not stated	None
ATM & Card
Replacement Card Fee	$5	Not stated	None
Wire Transfers
Outgoing Wires	$7	Not stated	None
Wire Transfer Fees: Outgoing	$20	Not stated	None
Incoming Wires	$2	Not stated	None
Wire Transfer Fees: Incoming	$10	Not stated	None
International Wire Transfer Fee	$35	Not stated	None
Check Services
Treasurer’s Check	$10	Not stated	None
Money Order	$5	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks (Set of 4)	$4	Not stated	None
Collection Item: Incoming/Outgoing	$20	Not stated	None
Digital & Electronic
ACH per File	$5	per item	None
Account Services
Drilling Box	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$95	Not stated	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$95	Not stated	None
Safe Deposit Box 2 x 5	$15	Not stated	None
Safe Deposit Box 2 x 5 (audience not stated, treated as personal)	$15	Not stated	None
Safe Deposit Box 3 x 10	$35	Not stated	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 3 x 5	$20	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$20	Not stated	None
Safe Deposit Box 4 x 5	$25	Not stated	None
Safe Deposit Box 4 x 5 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Box 5 x 10	$70	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$70	Not stated	None
Safe Deposit Box 5 x 5	$30	Not stated	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 7 x 10	$80	Not stated	None
Safe Deposit Box 7 x 10 (audience not stated, treated as personal)	$80	Not stated	None
Writ of Execution/Garnishment	$150	Not stated	None
Lending Fees
Late Payment (30 days)	$10	Not stated	None
Other Fees
Duplicate Monthly Statement	$5Not compared: Monthly charge, not per item	per month	None
Fax: First Page	$3	Not stated	None
Special Statement Request	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Early Closing of AccountClub Account$20
Dormant fee$5
per month
Dormant fee$12
Not compared: Quarterly charge, not monthly
per quarter
Excessive Transaction Fee on Money Market Checking and Money Market Business Checking$5
Hourly Account Reconcilement$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Fee (monthly)$2.50
per month

Overdraft & NSF

Bounce Protection per Paid Item:Tier 1$15
Overdraft Protection Transfer$10

ATM & Card

Replacement Card Fee$5

Wire Transfers

Outgoing Wires$7
Wire Transfer Fees: Outgoing$20
Incoming Wires$2
Wire Transfer Fees: Incoming$10
International Wire Transfer Fee$35

Check Services

Treasurer’s Check$10
Money Order$5
Stop Payment$30
Counter Checks (Set of 4)$4
Collection Item: Incoming/Outgoing$20

Digital & Electronic

ACH per File$5
per item

Cash & Deposit

Returned Deposit Item (Business Accounts)$10

Account Services

Drilling Box$250
Not compared: Box drilling or key fee
Lost Key$20
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$95
Safe Deposit Box 2 x 5$15
Safe Deposit Box 3 x 10$35
Safe Deposit Box 3 x 5$20
Safe Deposit Box 4 x 5$25
Safe Deposit Box 5 x 10$70
Safe Deposit Box 5 x 5$30
Safe Deposit Box 7 x 10$80
Writ of Execution/Garnishment$150

Lending Fees

Late Payment (30 days)$10

Other Fees

Duplicate Monthly Statement$5
Not compared: Monthly charge, not per item
per month
Fax: First Page$3
Special Statement Request$5

Fee	Amount	Basis	Note
Account Maintenance
Early Closing of AccountClub Account	$20	Not stated	None
Dormant fee	$5	per month	None
Dormant fee	$12Not compared: Quarterly charge, not monthly	per quarter	None
Excessive Transaction Fee on Money Market Checking and Money Market Business Checking	$5	Not stated	None
Hourly Account Reconcilement	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Fee (monthly)	$2.50	per month	None
Overdraft & NSF
Bounce Protection per Paid Item:Tier 1	$15	Not stated	None
Overdraft Protection Transfer	$10	Not stated	None
ATM & Card
Replacement Card Fee	$5	Not stated	None
Wire Transfers
Outgoing Wires	$7	Not stated	None
Wire Transfer Fees: Outgoing	$20	Not stated	None
Incoming Wires	$2	Not stated	None
Wire Transfer Fees: Incoming	$10	Not stated	None
International Wire Transfer Fee	$35	Not stated	None
Check Services
Treasurer’s Check	$10	Not stated	None
Money Order	$5	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks (Set of 4)	$4	Not stated	None
Collection Item: Incoming/Outgoing	$20	Not stated	None
Digital & Electronic
ACH per File	$5	per item	None
Cash & Deposit
Returned Deposit Item (Business Accounts)	$10	Not stated	None
Account Services
Drilling Box	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$95	Not stated	None
Safe Deposit Box 2 x 5	$15	Not stated	None
Safe Deposit Box 3 x 10	$35	Not stated	None
Safe Deposit Box 3 x 5	$20	Not stated	None
Safe Deposit Box 4 x 5	$25	Not stated	None
Safe Deposit Box 5 x 10	$70	Not stated	None
Safe Deposit Box 5 x 5	$30	Not stated	None
Safe Deposit Box 7 x 10	$80	Not stated	None
Writ of Execution/Garnishment	$150	Not stated	None
Lending Fees
Late Payment (30 days)	$10	Not stated	None
Other Fees
Duplicate Monthly Statement	$5Not compared: Monthly charge, not per item	per month	None
Fax: First Page	$3	Not stated	None
Special Statement Request	$5	Not stated	None

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when First Northern Bank and Trust Company's ach origination changes in our data

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
First Northern Bank and Trust Company: $15
First Northern Bank and Trust Company: $15
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $13.50, the middle of its prices
First Northern Bank and Trust Company: $7 to $20
First Northern Bank and Trust Company: $7 to $20
U.S. median: no median
Stop Payment
First Northern Bank and Trust Company: $30
First Northern Bank and Trust Company: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from First Northern Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Early Closing of AccountClub Account$20
Dormant fee$5
per month
Dormant fee$12
Not compared: Quarterly charge, not monthly
per quarter
Hourly Account Reconcilement$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Fee (monthly)$2.50
per month

Overdraft & NSF

Bounce Protection per Paid Item:Tier 1$15
Overdraft Protection Transfer$10

ATM & Card

Replacement Card Fee$5

Wire Transfers

Outgoing Wires$7
Wire Transfer Fees: Outgoing$20
Incoming Wires$2
Wire Transfer Fees: Incoming$10
International Wire Transfer Fee$35

Check Services

Treasurer’s Check$10
Money Order$5
Stop Payment$30
Counter Checks (Set of 4)$4
Collection Item: Incoming/Outgoing$20

Digital & Electronic

ACH per File$5
per item

Account Services

Drilling Box$250
Not compared: Box drilling or key fee
Lost Key$20
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$95
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$95
Safe Deposit Box 2 x 5$15
Safe Deposit Box 2 x 5 (audience not stated, treated as personal)$15
Safe Deposit Box 3 x 10$35
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$35
Safe Deposit Box 3 x 5$20
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$20
Safe Deposit Box 4 x 5$25
Safe Deposit Box 4 x 5 (audience not stated, treated as personal)$25
Safe Deposit Box 5 x 10$70
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$70
Safe Deposit Box 5 x 5$30
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$30
Safe Deposit Box 7 x 10$80
Safe Deposit Box 7 x 10 (audience not stated, treated as personal)$80
Writ of Execution/Garnishment$150

Lending Fees

Late Payment (30 days)$10

Other Fees

Duplicate Monthly Statement$5
Not compared: Monthly charge, not per item
per month
Fax: First Page$3
Special Statement Request$5

Fee	Amount	Basis	Note
Account Maintenance
Early Closing of AccountClub Account	$20	Not stated	None
Dormant fee	$5	per month	None
Dormant fee	$12Not compared: Quarterly charge, not monthly	per quarter	None
Hourly Account Reconcilement	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Fee (monthly)	$2.50	per month	None
Overdraft & NSF
Bounce Protection per Paid Item:Tier 1	$15	Not stated	None
Overdraft Protection Transfer	$10	Not stated	None
ATM & Card
Replacement Card Fee	$5	Not stated	None
Wire Transfers
Outgoing Wires	$7	Not stated	None
Wire Transfer Fees: Outgoing	$20	Not stated	None
Incoming Wires	$2	Not stated	None
Wire Transfer Fees: Incoming	$10	Not stated	None
International Wire Transfer Fee	$35	Not stated	None
Check Services
Treasurer’s Check	$10	Not stated	None
Money Order	$5	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks (Set of 4)	$4	Not stated	None
Collection Item: Incoming/Outgoing	$20	Not stated	None
Digital & Electronic
ACH per File	$5	per item	None
Account Services
Drilling Box	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$95	Not stated	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$95	Not stated	None
Safe Deposit Box 2 x 5	$15	Not stated	None
Safe Deposit Box 2 x 5 (audience not stated, treated as personal)	$15	Not stated	None
Safe Deposit Box 3 x 10	$35	Not stated	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 3 x 5	$20	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$20	Not stated	None
Safe Deposit Box 4 x 5	$25	Not stated	None
Safe Deposit Box 4 x 5 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Box 5 x 10	$70	Not stated	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$70	Not stated	None
Safe Deposit Box 5 x 5	$30	Not stated	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box 7 x 10	$80	Not stated	None
Safe Deposit Box 7 x 10 (audience not stated, treated as personal)	$80	Not stated	None
Writ of Execution/Garnishment	$150	Not stated	None
Lending Fees
Late Payment (30 days)	$10	Not stated	None
Other Fees
Duplicate Monthly Statement	$5Not compared: Monthly charge, not per item	per month	None
Fax: First Page	$3	Not stated	None
Special Statement Request	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Early Closing of AccountClub Account$20
Dormant fee$5
per month
Dormant fee$12
Not compared: Quarterly charge, not monthly
per quarter
Excessive Transaction Fee on Money Market Checking and Money Market Business Checking$5
Hourly Account Reconcilement$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Fee (monthly)$2.50
per month

Overdraft & NSF

Bounce Protection per Paid Item:Tier 1$15
Overdraft Protection Transfer$10

ATM & Card

Replacement Card Fee$5

Wire Transfers

Outgoing Wires$7
Wire Transfer Fees: Outgoing$20
Incoming Wires$2
Wire Transfer Fees: Incoming$10
International Wire Transfer Fee$35

Check Services

Treasurer’s Check$10
Money Order$5
Stop Payment$30
Counter Checks (Set of 4)$4
Collection Item: Incoming/Outgoing$20

Digital & Electronic

ACH per File$5
per item

Cash & Deposit

Returned Deposit Item (Business Accounts)$10

Account Services

Drilling Box$250
Not compared: Box drilling or key fee
Lost Key$20
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$95
Safe Deposit Box 2 x 5$15
Safe Deposit Box 3 x 10$35
Safe Deposit Box 3 x 5$20
Safe Deposit Box 4 x 5$25
Safe Deposit Box 5 x 10$70
Safe Deposit Box 5 x 5$30
Safe Deposit Box 7 x 10$80
Writ of Execution/Garnishment$150

Lending Fees

Late Payment (30 days)$10

Other Fees

Duplicate Monthly Statement$5
Not compared: Monthly charge, not per item
per month
Fax: First Page$3
Special Statement Request$5

Fee	Amount	Basis	Note
Account Maintenance
Early Closing of AccountClub Account	$20	Not stated	None
Dormant fee	$5	per month	None
Dormant fee	$12Not compared: Quarterly charge, not monthly	per quarter	None
Excessive Transaction Fee on Money Market Checking and Money Market Business Checking	$5	Not stated	None
Hourly Account Reconcilement	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Fee (monthly)	$2.50	per month	None
Overdraft & NSF
Bounce Protection per Paid Item:Tier 1	$15	Not stated	None
Overdraft Protection Transfer	$10	Not stated	None
ATM & Card
Replacement Card Fee	$5	Not stated	None
Wire Transfers
Outgoing Wires	$7	Not stated	None
Wire Transfer Fees: Outgoing	$20	Not stated	None
Incoming Wires	$2	Not stated	None
Wire Transfer Fees: Incoming	$10	Not stated	None
International Wire Transfer Fee	$35	Not stated	None
Check Services
Treasurer’s Check	$10	Not stated	None
Money Order	$5	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks (Set of 4)	$4	Not stated	None
Collection Item: Incoming/Outgoing	$20	Not stated	None
Digital & Electronic
ACH per File	$5	per item	None
Cash & Deposit
Returned Deposit Item (Business Accounts)	$10	Not stated	None
Account Services
Drilling Box	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$20Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$95	Not stated	None
Safe Deposit Box 2 x 5	$15	Not stated	None
Safe Deposit Box 3 x 10	$35	Not stated	None
Safe Deposit Box 3 x 5	$20	Not stated	None
Safe Deposit Box 4 x 5	$25	Not stated	None
Safe Deposit Box 5 x 10	$70	Not stated	None
Safe Deposit Box 5 x 5	$30	Not stated	None
Safe Deposit Box 7 x 10	$80	Not stated	None
Writ of Execution/Garnishment	$150	Not stated	None
Lending Fees
Late Payment (30 days)	$10	Not stated	None
Other Fees
Duplicate Monthly Statement	$5Not compared: Monthly charge, not per item	per month	None
Fax: First Page	$3	Not stated	None
Special Statement Request	$5	Not stated	None

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.