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Fee Schedule

MONTHLY SERVICE FEES

Inactivity Fee - Monthly fee for not using an account starting in the 13th month of inactivity and continuing until there is no balance or money is escheated to the state. (Does not apply to members under 18, members with loans or IRAs, or any member with aggregate deposits over $200.00)	$3.00
Bad Address Fee - For non-notification of address change	$4.00
Service Charge - Minimum Balance Checking Fee if balance falls below $500	$5.00
Service Charge - Generations Gold Checking Monthly Service Fee	$3.00
Service Charge - Low Usage Checking & Club Checking Monthly Service Fee	$1.50
GenGold (Service) Fee - Purchase for GenGold Value	$3.00

CHECK/SHARE SAVINGS ASSOCIATED FEES

Per Check Charge - For checks clearing in excess of 5 per month (Low Usage Checking and Club Checking only)	$0.25
Transaction Fee - Per item fee for deposits/withdrawals/transfers in excess of 200 per month (Proprietor/Member Business Checking only)	$0.50
Redeposit Fee - Per item fee for any returned check the credit union redeposits	$15.00
Overdrawn ACH - Fee for non-sufficient funds for automatic debit	$24.00
Overdrawn CK - Fee for non-sufficient funds for check	$24.00
Return ACH Item - Fee for non-sufficient ACH items	$24.00
Courtesy Pay - Per item paid	$24.00
Stop Payment Fee - Fee for placing a Stop Payment order	$24.00
Negative Balance Fee - Per item per occurrence - Overdrawn draft card	$24.00
Negative Balance Fee - Per item per occurrence - Overdrawn at ATM	$24.00
Convenience Temporary Checks - For temporary drafts (4)	$2.00
Check Order Billing	Varies according to style
Foreign Check Deposit Fee *Additional fees may apply to non-Canadian	$30.00*
ACH Redposit Fee	$25.00

CLERICAL FEES

Statement Copy Fee - Fee for each monthly statement or document copy	$2.00
Research Fee - Per hour charge for account reconciliation or research	$20.00

ATM/POINT OF SALE (POS) FEES
Per transaction at Northeast Credit Union ATMs - NO CHARGE

ATM Fee - Per transaction at non-NECU (foreign)ATM machines	$1.00
ATM Fee - Per transaction at POS with ATM Card, VISA Credit or Check Card using "ATM/debit card" payment option (Low Usage, Club & Proprietor's Checking only)	$0.20
VISA Check Card Transaction Fee - At POS using "credit card" payment option	NO CHARGE
ISA - 1% of transaction amount for VISA charges done in foreign currency/country	Fee varies based on dollar amount of transaction

WIRE/TELEPHONE TRANSFER FEES

CMO Transfer - Western Union Commercial Money Order	Fee varies based on dollar amount wired
Bank to Bank Transfer - Wire transfer (within US)	$20.00
International Wire Fee - Wire transfer (outside US)	$30.00
Incoming Wire Fee -	$5.00
Withdrawal Fee - Telephone transfer fee - MSR assisted	$2.00
QuikTel Service - Telephone transfers through QuikTel	NO CHARGE
Originate ACH for Payment of NECU loan - MSR assisted	$5.00

MONEY ORDERS & OFFICIAL CHECK FEES

American Express Gift Card	$3.95
American Express Gift Checks - Per item fee for $25, $50 & $100 checks	$2.50
American Express Traveler's Checks	1% of amount purchased
American Express Traveler's Checks for Two	$1.50 per $100.00
Money Order Fee - Per item fee for Money Orders	$3.00
Official Check Fee - Per item fee for Official Checks less than $500.00	$3.00
Official Check Stop Payment Fee	$24.00

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