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Miscellaneous Personal Banking Fees

Effective 09/01/2009

 
Auto   Checking/Savings Account Closure (within 90 days of opening) $10
Auto equity loan documentation $100 Escheat notification $2
Automobile Sales Finance contract extensions or deferrals $25 Health Savings Account Maintenance (if average daily balance falls below $2,500) $1/mo.**
Checks/Electronic debits   Individual Retirement Accounts  
Cashier's check (to 3rd party) $2* Transfer from North Island CU $20
To account holder No charge Early/non-qualified distribution $10
Check cashing (if member only has savings account and balance is less than $200) $3 Island Checking  
Check printing As quoted Inactivity (applies to accounts that have had no activity within the last 180 days) $3/mo.
Collection item (incoming/outgoing) Cost + $10 Island Checking Service Charge*** $2/mo.
Excess activity (applies to money market/savings accounts having more than six non-branch withdrawals per month) $10 Lifetime membership $5
Gift check $2.50 Loan modification $25+
Insufficient funds or Uncollected funds   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*
  Check paid by North Island CU $26 Online Bill Payment Free
  Member checks, electronic payments or withdrawals $26 Paper copy of bill payment $5
Money order $2 Rejected bill payment $20
Commercial money order Varies Copy of a check (2 free per month), statement or voucher $2
Overdraft transfer (from savings or money market) $5 Monthly activity printout (1st page free) $2
Stop payment $20 Research - per hour $20
  Per 3+ consecutive checks $45 Returned item (paper or electronic) applies to deposits or loans $15
Temporary checks   Returned statement $5
  Initial set of 9 (upon opening account) No charge Savings Account Maintenance $3/mo.++
  Per sheet of 3 $1 Wire Transfer  
Traveler's checks (for one or two signers) 1% of value 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.