Personal Banking Fees

Miscellaneous Personal Banking Fees

Effective July 25, 2016

(See Business Fees)

Savings and Checking Accounts

Description Amount
Insufficient/unavailable funds2 (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 1

eChecking Accounts

Description Amount
Monthly service charge Fee Free (eStatements Required)
Check printing At Cost
Initial Order of North Island Checks (At Account Opening) Fee Free
Temporary Checks (At Branch) Per Sheet Of 3 $1
Initial Set of 9 Temporary Checks (At Branch) at Account Opening Fee Free

Personal Checking Accounts

Description Amount
Monthly Service Charge
$2/mo.
Waived with eStatements, direct deposit ($400+/mo. minimum) into checking that receives the direct deposit, OR if under 18
Check Printing At cost

Temporary Checks (At Branch) Per Sheet Of 3

$1
Initial Set of 9 Temporary Checks (At Branch) at Account Opening Fee Free

Student Checking Accounts (ages 13-25)

Description Amount
Monthly Service Charge
Fee Free
Check Printing At cost
Initial Order of North Island Checks (At Account Opening) Fee Free

Share Savings And Money Market Accounts

Description Amount
Share Savings Monthly Service Charge2

$5/mo.
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 Monthly Service Charge $5/mo.
Waived with minimum daily balances of $2,500+
Premium Money Market Accounts Monthly Service Charge $10/mo.
Waived with minimum daily balances of $25,000+
Reg D excess activity 6+ non-branch savings/money market withdrawals/mo.) $10
Overdraft Protection (transfer to checking)2 $5/ea.

Electronic Services

Description Amount
24-Hour Telephone Banking Fee-Free
eStatements Fee-Free
Online Bill Payment Fee-Free
Paper Copy of Bill Payment $5
Bill Pay Insufficient/Unavailable Funds - Any Transaction, Whether Returned Or Paid2 
(There is a 5 per day limit on the number of times we will charge this fee)
$27
Popmoney® Fee-Free
Overnight Check $17.95/ea.

Visa® Debit Card

Description Amount
Insufficient/Unavailable Funds Any Transaction, Whether Returned Or Paid, Including ATM/POS2
(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 North Island & CO-OP Network ATMs Fee Free
PIN-Based ATM Uses (Withdrawals, Transfers, Inquiries) At Other ATMs (Plus ATM Owner Surcharges2) $1.50
Visa Foreign ATM/POS Transaction Fee 1% of transaction amount
Lost Card Replacement2 $5

General Services

Description Amount
Cashier's Check To Account Holder $2 1
Cashier's Check To 3rd Party $5
Collection Item (Incoming/Outgoing) Cost + $10
First 2 Check Copies Fee Free
Check Copies (3 Or More) $2
Statement Or Transaction Voucher Copies $2
Gift Check $2.50
Money Order $2
Stop Payment (Paper Or Electronic) For ACH/Electronic Item $25
Stop Payment (Paper Or Electronic) For Single Check $25
Stop Payment (Paper Or Electronic) 2 Or More Consecutive Checks $40
Incoming Wire Transfer $10
Outgoing Wire Transfer ($50 Minimum) $25
International Wire Transfer $35

Miscellaneous Services

Description Amount
Legal Document Processing $50
Lifetime North Island Membership (One-Time Fee) $5
Medallion Stamp (Per Signature) $15 1
Monthly Activity Printout First Page Fee Free
Monthly Activity Printout Second And Subsequent Pages $2
Research (All Requests) $20/hr.
Returned Item (Paper Deposit or Loan Payment) $20
Returned Statement (Invalid Address)2 $5
Verification of Deposit $10

Loans

Description Amount
Audit/Research $40
Loan Modification (Existing North Island Credit Union Loans) $40
Skip Payment (Member-Requested) $40
Vehicle Title Change $50 + DMV Fee

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