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Miscellaneous Personal Banking Fees

Effective 09/01/2009

 
Auto   Checking/Savings Account Closure (within 90 days of opening) $10
Automobile Sales Finance contract extensions or deferrals $25 Escheat notification $2
Checks/Electronic debits   Health Savings Account Maintenance (if average daily balance falls below $2,500) $1/mo.**
Cashier's check (to 3rd party) $2* Individual Retirement Accounts  
To account holder No charge Transfer from North Island CU $20
Check cashing (if member only has savings account and balance is less than $200) $3 Early/non-qualified distribution $10
Check printing As quoted Island Checking  
Collection item (incoming/outgoing) Cost + $10 Inactivity (applies to accounts that have had no activity within the last 180 days) $3/mo.
Excess activity (applies to money market/savings accounts having more than six non-branch withdrawals per month) $10 Island Checking Service Charge*** $2/mo.
Gift check $2.50 Lifetime membership $5
Insufficient funds or Uncollected funds   Loan modification $25+
  Check paid by North Island CU $26 Loan payment made by phone or credit card
(Applies to payments for Island loans made with another institution's phone check, credit card, or debit card)		 $10*
  Member checks, electronic payments or withdrawals $26 Online Bill Payment Free
Money order $2 Paper copy of bill payment $5
Commercial money order Varies Rejected bill payment $20
Overdraft transfer (from savings or money market) $5 Copy of a check (2 free per month), statement or voucher $2
Stop payment $20 Monthly activity printout (1st page free) $2
  Per 3+ consecutive checks $45 Research - per hour $20
Temporary checks   Returned item (paper or electronic) applies to deposits or loans $15
  Initial set of 9 (upon opening account) No charge Returned statement $5
  Per sheet of 3 $1 Savings Account Maintenance $3/mo.++
Traveler's checks (for one or two signers) 1% of value Wire Transfer  
    Incoming $10
    Outgoing ($50 minimum transfer) $25
    International $35
    Other Fees  
    Medallion stamp (per signature) $15*
    Notary Service (per non-North Island CU document with one or more signatures, $50 max.) $10*
Notes
  *Waived for members with BenefitsPLUS.
 **Waived for the first year account is open.
***Waived for members who receive eStatements; or who maintain a $1,500 average daily balance in Island Checking; or for members under 18 or 60+.
+ Applies to member-requested loan modifications, or refinancing an existing North Island CU auto loan
++Waived with direct deposit ($400/mo. minimum) into Share Savings/Island Checking belonging to the same primary owner; or with minimum $200 average daily balance in Share Savings; or for members under 18 or 60+.
 
Programs (including but not limited to fees, rates, and features) are subject to change without notice. After account is opened, dividend rate and APY may change at North Island Credit Union's discretion. Fees may reduce earnings.