First Citizens Community Bank

Headquarters: Mansfield, Pennsylvania
Charter: Bank
Assets: $3.2B
Fed district: Philadelphia

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

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

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Fees against the market

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

Monthly Maintenance
First Citizens Community Bank: $4
First Citizens Community Bank: $4
U.S. median: no median
Overdraft (OD)
First Citizens Community Bank: $35
First Citizens Community Bank: $35
U.S. median: no median
NSF / Returned Item
Compared at $22.50, the middle of its prices
First Citizens Community Bank: $10 to $35
First Citizens Community Bank: $10 to $35
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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Published fee schedule

Amounts from First Citizens Community Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$4
per month · avoid the $4 monthly maintenance fee and unlock your rewards for that period, 12 or more qualifying debit transactions must post and settle during the calendar month
Close Account (within 6 months of opening)$15
Dormant Account Fee (charged after 24 months of inactivity)$10
per month
Account Reconcilement$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconcilement | $20/hr
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned statement for invalid address$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Paid Item Fee$35
Online Bill Pay Returned Item Fee$10
Returned Item Fee$35
Sweep & Overdraft Protection Transfers (Including overdraft protection transfers from HELOC)$10

ATM & Card

Replacement Debit card$10

Wire Transfers

Domestic Wire Transfer Outgoing (Domestic) (customers only)$30
Wire Transfer Incoming (customers only)$15
Wire Transfer Outgoing (International) (customers only)$75

Check Services

Cashier’s Check fee (Customers only)$5
Stop Payment$35
per item

Digital & Electronic

Consumer Bill Pay Fee$2.95
per month

Cash & Deposit

Deposited Item Returned$15

Account Services

2x5, 3x5, 5x5$30
per year
3x10, 3x11$40
per year
5x10, 5x11$50
per year
Drill and Replace Locks Fee$100
Not compared: Box drilling or key fee
Key Replacement Fee$10
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$200
Safe Deposit Box 10x10$100
per year
Safe Deposit Box 13x15$300
Safe Deposit Box 15x10$300
Safe Deposit Box 2x5$60
per year
Safe Deposit Box 3x10$80
per year
Safe Deposit Box 3x5$60
per year
Safe Deposit Box 5x10$100
Safe Deposit Box 5x5$60
per year
Garnishment, IRS Levy, Interrogatory Fee$100
per item

Lending Fees

Late Payment Fee (after 30 days)$10

Retirement & IRA

IRA Administration Fee for Premature Distributions$25
IRA External Transfer Fee prior to maturity$25

Other Fees

Loan Payoff Letter$25

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$4	per month	avoid the $4 monthly maintenance fee and unlock your rewards for that period, 12 or more qualifying debit transactions must post and settle during the calendar month
Close Account (within 6 months of opening)	$15	Not stated	None
Dormant Account Fee (charged after 24 months of inactivity)	$10	per month	None
Account Reconcilement	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Reconcilement \| $20/hr
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned statement for invalid address	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Paid Item Fee	$35	Not stated	None
Online Bill Pay Returned Item Fee	$10	Not stated	None
Returned Item Fee	$35	Not stated	None
Sweep & Overdraft Protection Transfers (Including overdraft protection transfers from HELOC)	$10	Not stated	None
ATM & Card
Replacement Debit card	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer Outgoing (Domestic) (customers only)	$30	Not stated	None
Wire Transfer Incoming (customers only)	$15	Not stated	None
Wire Transfer Outgoing (International) (customers only)	$75	Not stated	None
Check Services
Cashier’s Check fee (Customers only)	$5	Not stated	None
Stop Payment	$35	per item	None
Digital & Electronic
Consumer Bill Pay Fee	$2.95	per month	None
Cash & Deposit
Deposited Item Returned	$15	Not stated	None
Account Services
2x5, 3x5, 5x5	$30	per year	None
3x10, 3x11	$40	per year	None
5x10, 5x11	$50	per year	None
Drill and Replace Locks Fee	$100Not compared: Box drilling or key fee	Not stated	None
Key Replacement Fee	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$200	Not stated	None
Safe Deposit Box 10x10	$100	per year	None
Safe Deposit Box 13x15	$300	Not stated	None
Safe Deposit Box 15x10	$300	Not stated	None
Safe Deposit Box 2x5	$60	per year	None
Safe Deposit Box 3x10	$80	per year	None
Safe Deposit Box 3x5	$60	per year	None
Safe Deposit Box 5x10	$100	Not stated	None
Safe Deposit Box 5x5	$60	per year	None
Garnishment, IRS Levy, Interrogatory Fee	$100	per item	None
Lending Fees
Late Payment Fee (after 30 days)	$10	Not stated	None
Retirement & IRA
IRA Administration Fee for Premature Distributions	$25	Not stated	None
IRA External Transfer Fee prior to maturity	$25	Not stated	None
Other Fees
Loan Payoff Letter	$25	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.

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