> Online Banking Sign-on
 
 
 

Miscellaneous Personal Banking Fees

Effective 04/01/2014

 

Category / Description

Amount
Savings & Checking Accounts
All Accounts
Insufficient/unavailable funds (any transaction, whether returned or paid, including pre-authorized transfers for loan payments, bill payment and ATM/POS. There is a 5 per day limit on the number of times we will charge this fee.) $27
Payment/deposit by phone $15*
Verification of Deposit $10
eChecking Accounts
Monthly service charge
eStatements required
Fee free
Check printing
Initial order of Island Paradise checks (at account opening)
At cost
Fee free
Temporary checks (at branch):
Per sheet of 3
Initial set of 9 at account opening

$1
Fee free
Island Checking Accounts
Monthly service charge
Waived with eStatements, direct deposit ($400+/mo. minimum) into checking that receives the direct deposit, OR if under 18
$2/mo.
Check printing At cost
Temporary checks:
Per sheet of 3
Initial set of 9 (at account opening)

$1
Fee free
Share Savings and Money Market Accounts
Monthly service charge:
Share Savings:
Waived with minimum daily balances of $200+, OR direct
deposit ($400+/mo. minimum) into Share Savings or Island Checking
account belonging to the same primary owner, OR if under 18
Island Investor Money Market Accounts:
Waived with minimum daily balances of $2,500+
Premium Money Market Accounts:
Waived with minimum daily balances of $25,000+
 
$5/mo.
 
 
 
$5/mo.
 
$10/mo.
Reg D excess activity (6+ non-branch savings/money market withdrawals/mo.) $10
Overdraft Protection (transfer to checking) $5/ea.
Health Savings Accounts (HSAs)
First year account is open
If average daily balance falls below $2,500
Check printing
Fee free
$1/month
At cost
Individual Retirement Accounts (IRAs)
Early/non-qualified distribution
Service Charge (waived for yr-end balances of $50+)
Transfer from The Island
$10
$10/yr
$20
Electronic Services
NiftiPhone® Telephone Teller Fee free

Online Banking

eStatements Fee free
Online bill payment Fee free
Paper copy of bill payment $5
Insufficient/unavailable funds (any transaction, whether returned or paid.
There is a 5 per day limit on the number of times we will charge this fee.)
$27
Expedited bill payment services
Popmoney®
Overnight check

$0.75/ea.
$17.95/ea.

NiftiCard® VISA® Check Card

Insufficient/unavailable funds (any transaction, whether returned or paid, including ATM/POS. There is a 5 per day limit on the number of times we will charge this fee.) $27
Uses that do not require a PIN Fee free
PIN-based ATM uses (withdrawals, transfers, inquiries)
At Island & CO-OP Network ATMs
At other ATMs (plus ATM owner surcharges)

Fee free
$1.50
Visa foreign ATM/POS transaction fee 1% of transaction amt
Lost card replacement $5
General Services
Checks and transfers  
Cashier's check to account holder
Cashier's check to 3rd party
$2*
$5
Collection item (incoming/outgoing) Cost + $10
Copies
First 2 check copies
Checks (3 or more)
Statement or transaction voucher
 
Fee free
$2
$2
Gift check $2.50
Money order $2
Stop payment (paper or electronic)
Single check
2 or more consecutive checks

$25
$40
Wire Transfer
Incoming
Outgoing ($50 minimum)
International
 
$10
$25
$35
Miscellaneous Services
Legal document processing $50
Lifetime Island membership (one-time fee) $5
Medallion stamp (per signature) $15*
Monthly activity printout
First page
Second & subsequent pages
 
Fee free
$2
Research (all requests) $20/hour
Returned item (paper deposit or loan payment) $20
Returned statement (invalid address) $5
Loans
Audit/Research $40
Loan modification (existing North Island Credit Union loans) $40
Skip payment (member-requested) $40
Vehicle title change $50 + DMV fee
 
*Waived for members with BenefitsPLUS.

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.