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| Service Charges | |
| Effective February 22, 2008 Fees subject to change without notice. |
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Service Fees |
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Account Reconciliation (per hour) |
$25.00 |
| Additional Copy of Statement | $5.00 |
| ATM Balance Inquiry | $1.00 |
| ATM Deposits | FREE |
| ATM Withdrawals (including those at Starsf, AllPoint and Co-Op ATMs)* |
1st 8 per month FREE, each thereafter $1.00 |
| ATM Transfers* | $1.00 |
| MAP or FNCU Online Transfers | FREE |
| Certified Mail | $4.00 |
| Cashier Check | $5.00 |
| Check Clearing Information | $2.00 |
| Check Clearing Information via MAP of FNCU Online |
FREE |
| Deposited Checks Returned (including those made at ATMs) |
$25.00 |
| Excessive Withdrawal Fee** | $5.00 |
| Foreign Check Deposit (per check) | Minimum $15.00 |
| Insurance Sight Draft Deposited | $15.00 |
| Low Balance / Inactive Fee (per month) | $5.00 |
| MAP or FNCU Online Inquiry | FREE |
| Money Order | $2.00 |
| NSF (Non-Sufficient Funds) | $25.00 |
| NSF ACH And Visa Check Card Transactions |
$25.00 |
| Printed Account History | $5.00 |
| Printed Account History from FNCU Online | FREE |
| Returned Statements | $3.00 |
| Special Order Copy of Check | $5.00 |
| Stop Payment of Check or ACH | $25.00 |
| Teller Check Withdrawal Fee | $2.00 per check made payable to a third party |
| Temporary Checks (8) | $5.00 |
| Travelers Checks | $5.00 each transaction |
| UPS Delivery (on weekdays) | $15.00 |
| UPS Delivery (on Saturdays) | $25.00 |
| VISA Check Card Annual Fee | NONE |
| VISA Check Card PIN or card rush (each item) | $15.00 |
| VISA Check Card Purchases | NONE |
| Wire Transfers (outgoing) |
$25.00 |
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Checking Accounts (Value Now, Preferred, Advantage) |
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| Overdrafts, 1st Occurrence | FREE |
| Each occurrence thereafter (limit 6) | $5.00 |
| Inactivity Fee (each month) | $5.00 |
| Below Monthly Average Daily Minimum Balance Requirement (Preferred & Advantage Checking Only) |
$7.00 |
| Low Signature-Based Transaction Fee (Advantage Checking Only) |
$7.00 |
| No Direct Deposit Fee (Advantage Checking Only) |
$9.00 |
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Checking Accounts (Step One) |
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| Below Monthly Average Daily Minimum | $7.00 |
| VISA Debit/ATM Annual Fee*** | $25.00 |
| Monthly Maintenance Fee | $4.00 |
| Non-sufficient Funds | $29.00 |
| Overdraft Fee (Per Occurrence) | $5.00 |
| Inactivity Fee (each month) | $5.00 |
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First Northern Bill Pay |
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| Transactions | 1st 6 per month FREE, each thereafter $0.75 |
| Non-sufficient Funds | $22.00 |
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Money Market Accounts |
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| Checks | FREE |
| Annual Average Daily Balance Below Minimum | $20.00 |
| Below Monthly Average Daily Minimum | $15.00 |
| NSF Checks (Non-sufficient Funds) | $25.00 |
| Over Monthly Transaction Volume Limit: | |
| (more than 3 checks per month) | $9.00 |
| (more than 3 withdrawals or transfers per month) | $9.00 |
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VISA Credit Cards |
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| Annual Fee | NONE |
| Cash Advance | Greater of $5.00 or 2% of the cash advance |
| Late Payment | $20.00 |
| Over The Limit | $20.00 |
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Loan Fees |
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| Loan Payment Late Fee |
Greater of $10.00 or 5% of payment amount for each payment over five days past due |
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Safe Deposit Boxes (Show Place Drive Location Only) |
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| 3" x 10" x 22" | $24.00 per year |
| 5" x 5" x 22" | $36.00 per year |
| 5" x 10" x 22" | $48.00 per year |
| 10" x 10" x 22" | $96.00 per year |
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| * Does not include surcharges of other institutions ** 2 FREE per month, $5.00 each thereafter for members with less than $1,000.00 aggregate average daily share balance. This fee applies to withdrawals conducted in the lobby, drive-thru, and/or by phone with a representative. Withdrawals or transfers made through MAP (Members Audio Program), First Northern Online, or with a VISA Check Card are encouraged and will not incur this fee. ***Fee charged upon opening of account and on yearly anniversary date For more details, refer to your Truth-In-Savings or Truth-In-Lending disclosures. |
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