Our branches and contact center will be closed on Saturday, July 4, in observance of Independence Day.
Digital Banking, ATMs, and AutomatedTelephone Banking will be available as usual.

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Personal Banking Fees

Miscellaneous Personal Banking Fees                   (See Business Fees)

Effective
 

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 North Island 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
  
Personal 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 Personal Checking account belonging to the same primary owner, OR if under 18
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.
  

Electronic Services

    
  
24-Hour Telephone Teller
   Fee Free
  
Digital 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
  
 
$.75/ea.
$17.95/ea.
  
VISA® Debit 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 amount
  
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)
ACH/Electronic item
Single check
2 or more consecutive checks
  
 
$25
$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/hr.
  
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.