NORTHLAND EDUCATORS FEDERAL CREDIT UNION
SCHEDULE OF FEES AND SERVICE CHARGES
|Overdraft Transfer||$8.00 per transfer from Share Savings (Note 1)|
|Returned ACH Deposit||$5.00|
|Returned ACH Credit||$5.00|
|Stop Payment Fee||$15.00|
|Online Bill Pay||$5.00 per month if enrolled, but not using|
|Incoming Domestic Wire Transfer||$10.00|
|Incoming Foreign Wire Transfer||$10.00|
|Outgoing Domestic Wire Transfer||$15.00|
|Outgoing Foreign Wire Transfer||$30.00|
|Domestic Deposit Collection Item||$15.00|
|Foreign Deposit Collection Item||$40.00|
|Account Research||$20.00 per hour|
|Balancing Assistance||$20.00 per hour|
|Money Orders||$1.00 each|
|Official Checks||$2.00 each|
|ATM/Debit Card Replacement||$12.00 (Note 2)|
|Inactive Account Fee||$10.00 per month (Note 3)|
|Verification of Funds||$5.00|
|Loan Documentation Fee||$25.00 for each new consumer loan**|
|Late Loan Payment||$20.00 if payment not received within 10 days of due date|
|Late Credit Card Payment||$20.00 if payment not received within 10 days of due date|
|Real Estate Loan Cancellation||$50.00 if cancelled at member request (Note 4)|
* Fee changes will be effective May 6, 2013.
Note 1: Effective July 1, 2011, the first three overdraft protection transfers from Share Savings to Share Draft Checking will no longer be free. The initial overdraft protection transfer will cost $8.00, as well as each subsequent transfer.
** Fee changes related to loans are effective April 1, 2013..
Note 2: Additional charges for expedited delivery may apply.
Note 3: The inactive account fee of $10.00 per month will be charged if the accountholder has not initiated any activity on the account in the past 365 days AND has no other active subaccount such as a share draft checking account, loan, credit card, or share certificate AND the credit union is unable to contact the member via mail, phone, or email.
Note 4: Additional charges for completed appraisals and title work may apply.