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 Savings or Money Market Transfer † $6.00
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
Low Balance / Inactive Fee (90+ days inactive, Savings only, with avg daily bal <$500) $9.00 monthly
Low Balance Savings Fee (savings only with avg daily bal < $200) $5.00
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)Non-sufficient Funds $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 $1,000.00 aggregate average daily share balance. This fee applies to withdrawals conducted in the lobby, drive-thru, shared branches, and/or by phone with a representative. Withdrawals or transfers made through MAP (Members Audio Program), First Northern Online, or with a VISA Debit Card are encouraged and will not incur this fee.

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

†This fee applies to withdrawals conducted in the lobby, drive-thru, shared branches, on-line 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.

††

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