Fee schedule
Last updated: May 29, 2026
| Description | Per item fee unless specified |
|---|---|
|
Members 19 years and older with balance of less than $50.00 and no other services besides a primary share account |
$5.00 per month |
| Box of checks |
Prices vary by style |
| Overdraft |
$30.00 |
| Overdraft protection plan |
$30.00 |
| Stop payment (single item) |
$30.00 |
| Stop payment (multiple items) |
$30.00 |
| Postdated draft |
$30.00 |
| Photocopy of draft |
$5.00 |
| NSF preauthorized withdrawal |
$30.00 |
| Share Draft reconciliation (per hour - 1 hour minimum) |
$10.00 |
| Business accounts (1st of every month) |
$10.00 |
| Account set up fee |
$25.00 |
| Annual fee (after the first year) |
$12.00 |
| Card replacement fee (per card) |
$10.00 |
| Overdraft |
$30.00 |
| Stop payment |
$30.00 |
| Photocopy of draft |
$5.00 |
| Returned deposit item |
$20.00 |
| Returned ACH origination item |
$20.00 |
| Returned international deposit item |
$30.00 |
| Domestic wire out |
$20.00 |
| Incoming wire |
$5.00 |
| Wire recall/reject fee |
$30.00 |
| Official check |
$5.00 |
| Inactive account fee |
$5.00 |
| Stop payment official check |
$25.00 |
| Photocopy of official check |
$5.00 |
| Fax service (first page) |
$2.00 |
| Fax service (each additional page) |
$1.00 |
| Xerox copy |
$0.10 |
| Account history printout (first page) |
$1.00 |
| Account history printout (each additional page) |
$0.25 |
| Statement copies/mailed copies |
$3.00 |
| Research fee (30 minutes free, additional time billed hourly with a minimum of one hour) |
$15.00 |
| Visa Gift Card |
$3.95 |
| Reloadable Visa Card |
$5.00 |
| Levy/Garnishment fee |
$15.00 |
| Incorrect address fee |
$10.00 |
| Foreign drafts U.S. fund |
$10.00 |
| Foreign drafts non-U.S. funds |
$10.00 (Allow 4-12 Weeks processing time) |
| Counter checks |
$1.00 per 4 checks |
| Non-member check cashing |
$5.00 |
| Non-member notary service |
$5.00 |
| ACH origination change fee |
$15.00 |
| Replacement card (per card) |
$10.00 |
| Rush plastics replacement card |
$45.00 |
| NSF debit card transaction |
$30.00 |
| NSF preauthorized withdrawal |
$30.00 |
| Stop payment on a preauthorized withdrawal |
$30.00 |
| 3 x 5 |
$25.00 |
| 3 x 10 |
$50.00 |
| 5 x 5 |
$40.00 |
| 5 x 10 |
$60.00 |
| Lost key |
$15.00 |
| Drilling of box |
$175.00 |
| Late payment (per month) |
$5.00 |
| Loan payoff written quote fee |
$35.00 |
| Loan late fee (after 10 days delinquent) |
$25.00 |
| Real estate loan late fee (after 15 days delinquent) |
5% of the overdue payment of principal and interest |
| Personal loan application fee (for new loans $1,000 or less; or adding on to an existing NCU loan) |
$25.00 |
| Single pay note application fee |
$25.00 |
| Gap Protection |
$599.00 |
Our credit union
Member-driven, community reinvestment, personalized service, local focus
Traditional banks
Profit-driven, shareholder profits, one-size-fits-all, corporate priorities
Send us a message at ncu@northwoodscu.org.
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