Fees

Service Fees

Account Reconciliation (per hour) $25.00
ACH Origination Fee (one time originations, each origination, not reoccurring originations) $10.00
Additional Copy of Monthly or Quarterly Statement $5.00
ATM Card Annual Fee $12.00
ATM Balance Inquiry (performed at an FNCU ATM)* $1.00
ATM Withdrawals (at FNCU, Starsf, Allpoint and Co-Op ATMs)* First four per month FREE, each thereafter $1.50
ATM Transfers (performed at an FNCU ATM)* $1.00
Certified Mail $5.00
Cashier Check $5.00
Check Clearing Staff Assisted Information $2.00
Corrected Vehicle Title Fee $95.00
Deposited Checks Returned (including those made at ATMs) - per each presentment and any subsequent representment(s) $29.00
Early Closure of Membership Account (account closed within 90 days of opening) $15.00
Excessive Withdrawal from share Savings** $6.00
Excessive Withdrawal/Transfer Share Savings, Checking, IRA Accounts † $5.00
Excessive Withdrawal/Transfer Money Market Accounts †† $9.00
Foreign Check Deposit (per check) Minimum $15.00
Inactive Visa Debit Card $5.00/month (no activity for more than 6 months)
Insurance Sight Draft Deposited $15.00
Loan Payoff Letter 1st request FREE, each thereafter $25.00
Inactive Fee (90+ days inactive, Savings only, with avg daily bal <$500) $9.00 monthly
Money Order $3.00
NSF (Non-Sufficient Funds) for the following: ACH Share Draft, Debit Card Overdraft, Loan Payment (each presentment) $29.00
Over the Phone Same Day Loan Payment (for each loan payment) $5.00
Paper Statement Fee (each monthly or quarterly statement issued) $5.00
Printed Account History $5.00
Returned correspondence - incorrect mailing address (per occurence) $5.00 
Special Order Copy of Check $5.00
Staff Assisted Phone Transactions - each occurrence (for Savings only members with avg daily bal < $2500) $2.00
Stop Payment of Check or ACH (each check or ACH) $29.00
Subordination Agreement (unless request is denied) $75.00
Teller Check Withdrawal Fee (per check, made payable to a third party) $2.00
Temporary Checks (8 check pack) $5.00
UPS Delivery (each mailed item) $25.00(weekdays) $40.00(Saturdays)
Verification of Deposit Fee (per request) $10.00 (per occurrence)
Visa® Card Replacement of lost card (first occurrence free) $25.00
VISA Debit Card PIN or card rush (each item, each request) $50.00
VISA Gift Card Cost of Purchase $2.75
VISA TravelMoney Card Cost of Purchase $5.00
Wire Transfers - Outgoing (per individual wire) $25.00(domestic) $40.00(international)
Withdrawal Check Mailing Fee (first occurrence is free) $3.00 

 

 

Checking Accounts

Overdraft Transfer from Savings or other account sources - each occurrence $5.00
Inactivity Fee (each month, each checking account) $9.00
Below Monthly Average Daily Minimum Balance Requirement (Preferred & Advantage Checking Only) $7.00
Low Signature-Based Transaction Fee Minimum of 10 Posted Per Month (Advantage Checking Only) $7.00
No Direct Deposit Fee (Advantage Checking Only) $9.00
Courtesy Pay (per occurrence) $29.00
NSF (Non-Sufficient Funds) - per each presentment and any subsequent representment(s) (additional non-credit union charges may also occur)

$29.00

Below Monthly Average Daily Minimum (Credit Sense Checking only) $7.00
VISA Debit/ATM Annual Fee (Credit Sense Checking only)*** $25.00
Monthly Maintenance Fee (Credit Sense Checking only) $2.00

 

Checking Accounts (CreditSense)

Below Monthly Average Daily Minimum $7.00
VISA Debit/ATM Annual Fee*** $25.00
Monthly Maintenance Fee $2.00
Non-sufficient Funds $29.00
Overdraft Transfer from Savings - each occurrence $5.00
Inactivity Fee (each month) $9.00
Courtesy Pay (per occurrence) $29.00

 

 

 

First Northern Bill Pay

NSF (Non-Sufficient Funds) - per each presentment and any subsequent representment(s) (additional non-credit union charges may also occur) $22.00

 

 

Money Market Accounts

Annual Average Daily Balance Below Minimum $20.00
Below Monthly Average Daily Minimum $15.00
NSF Checks (Non-sufficient Funds) - per each presentment and any subsequent representment(s)(additional non-credit union charges may also occur) $29.00
Over Monthly Transaction Volume Limit:
(more than 3 checks per month) $9.00
(more than 3 withdrawals or transfers per month) $9.00

 

 

Safe Deposit Boxes (Show Place Drive Location Only)

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
Drill Fee $250.00
Lost Key Fee $25.00

 

 

* Does not include surcharges of other institutions

** 1 FREE per month, $6.00 each thereafter for members with less than $1,000 aggregate daily share balance. This fee applies to withdrawals conducted in the lobby, drive-thru, shared branches, and/or by phone with a representative.

*** Fee charged upon opening of account and on yearly anniversary date

† During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be charged an excessive withdrawal/transfer fee of $5.00 per transaction and will be subject to closure by the credit union.

†† During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction; check, draft or similar order to a third party. If you exceed the transfer limitations set forth above, an excessive withdrawal/transfer fee of $9.00 will be charged for each debit transaction (withdrawal, draft or check paid, automatic transfer or payment out of this account) in excess of the above transaction limitations and your account will be subject to closure by the credit union.

For more details, refer to your Truth-In-Savings or Truth-In-Lending disclosures.

Checking Accounts

Overdraft Transfer from Savings or other account sources - each occurrence $5.00
Inactivity Fee (each month, each checking account) $9.00
Below Monthly Average Daily Minimum Balance Requirement (Preferred & Advantage Checking Only) $7.00
Low Signature-Based Transaction Fee Minimum of 10 Posted Per Month (Advantage Checking Only) $7.00
No Direct Deposit Fee (Advantage Checking Only) $9.00
Courtesy Pay (per occurrence) $29.00
NSF (Non-Sufficient Funds) - per each presentment and any subsequent representment(s) (additional non-credit union charges may also occur)

$29.00

Below Monthly Average Daily Minimum (Credit Sense Checking only) $7.00
VISA Debit/ATM Annual Fee (Credit Sense Checking only)*** $25.00
Monthly Maintenance Fee (Credit Sense Checking only) $2.00