Savings Account Fees

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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.

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 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.

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. We will reimburse ATM surcharges charged by non-FCB ATMs up to $10 per statement cycle.