Category / Description |
Amount |
|
Account & Loan Fees |
All fees per each, unless otherwise stated |
| Health Savings Accounts (HSAs) |
| Monthly service charge if avg. daily balance falls below $2,500 |
$1/mo. |
| Monthly service charge first year account is open |
Fee-free |
| Account early closure (within 90 days of opening) |
$10 |
|
Individual Retirement Accounts (IRAs)
|
| Early/non-qualified distribution |
$10 |
| Transfer from North Island Credit Union |
$20 |
| Account early closure (within 90 days of opening) |
$10 |
| Island Checking Accounts |
Monthly service charge
With eStatements, average daily balance of $1,500+ in Island
Checking, or if under 18 or 60+ |
$2/mo.
Fee-free |
| Check printing |
As quoted |
| Account early closure (within 90 days of opening) |
$10 |
| Checking inactivity (no activity in the last 180 days) |
$3/mo. |
| Insufficient/unavailable funds |
|
| Checks/electronic payments paid by North Island Credit Union |
$26 |
| Member checks, electronic payments or withdrawals |
$26 |
| Temporary checks, Initial set of 9 (at account opening) |
Fee-free |
| Temporary checks, Per sheet of 3 |
$1 |
| Loans |
|
Automobile sales finance contract extensions or deferrals |
$25 |
| Island Line of Credit annual fee |
$10* |
| Loan modification (applies to member-requested loan modifications, or refinancing an existing North Island auto loan) |
$25+ |
| Payment/deposit by phone (by single ACH, or credit/debit card from another financial institution) |
$4.95* |
| Share Savings/Money Market Accounts |
Share Savings monthly service charge
With average daily balance of $200+, direct deposit
($400/mo.
minimum) into Share Savings/Island Checking belonging
to the same
primary owner, or if under 18 or 60+ |
$3/mo.
Fee-free |
| Excess activity (savings/money market accounts with more than six non-branch withdrawals per month) |
$10 |
|
Overdraft Protection (transfer to checking) |
$5/ea. |
| Account early closure (within 90 days of opening) |
$10 |
| Electronic Services Fees |
| Direct deposit |
Fee-free |
| MyIsland Banking (online banking) |
Fee-free |
|
eStatements |
Fee-free |
|
Online bill payment |
Fee-free |
|
Paper copy of bill payment |
$5 |
|
Rejected bill payment |
$20 |
| NiftiCard® VISA® Check Card |
| NiftiCard use (no PIN required) |
Fee-free |
PIN-based ATM transactions & transfers:
All Island & CO-OP Network ATMs
Other ATMs
|
Fee-free
Surcharge
may apply |
Non-network fees (applies to transactions made from ATMs outside of The Island or CO-OP network; additional surcharges may be imposed by ATM owner)
Per withdrawal or transfer
Per inquiry |
$1
$0.50 |
| Visa foreign ATM transaction fee |
1% of transaction amt |
| Replacement NiftiCard (excludes original or damaged card) |
$5 |
| NiftiPhone® Telephone Teller |
Fee-free |
| Other Service Fees |
Cashier's check (to 3rd party)
Cashier's check to account holder |
$2*
Fee-free |
| Check cashing (with savings account only & balance less than $200) |
$3 |
| Collection item (incoming/outgoing) |
Cost + $10 |
Copies
Check (First 2 free per month)
Statement or voucher |
$2
$2 |
| Escheat notification |
$2 |
| Lifetime membership (one-time fee) |
$5 |
| Medallion stamp (per signature) |
$15* |
Money order
Commercial money order |
$2
Varies |
| Monthly activity printout (1st page free) |
$2 |
Notary service
Credit Union business
Non-North Island document with one or more signatures |
Fee-free
$10
($50 max.) |
| Payment/deposit by phone (by single ACH, or credit/debit card from another financial institution) |
$4.95* |
| Research |
$20/hour |
| Returned item (applies to paper deposits or loans) |
$15 |
| Returned statement |
$5 |
Stop payment
If
3 or more consecutive checks |
$20
$45 |
Traveler's checks (1-2 signers)
Gift check |
1% of value
$2.50 |
Wire Transfer
Incoming
Outgoing ($50 minimum transfer)
International |
$10
$25
$35 |
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