Online Banking

Privacy Notice, Disclosures & Fee Schedule

Northwoods Credit Union, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach you goals. We are equally committed to providing the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

If after reading this notice you have questions, please contact us at:

(218) 879-4181

or write to:

Northwoods Credit Union
1702 Ave. B
Cloquet, MN 55720

Information We Collect About You

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications and other forms
  • Information about your transactions with us
  • Information we receive from a consumer reporting agency
  • Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us

We may disclose nonpublic personal information about you to the following types of third parties:

  • Financial service providers, such as insurance companies, and mortgage service companies
  • Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers, plastic card processors, and government agencies

Disclosure of Information to Parties That Provide Services to Us

In order for us to conduct the business of the Credit Union, we may disclose all of the information we collect, as described above, to other financial institutions with whom we have joint marketing agreements, to other companies that perform marketing services on our behalf, or to nonaffiliated third parties for the purposes of processing and servicing transactions that you request or authorize, so that we may provide members competitive products and services.

We may also disclose nonpublic personal information about you under circumstances as permitted or required by law.  These disclosures typically include information to process transactions on your belahf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members

If you terminate your membership with Northwoods Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do to Help

Northwoods Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidlines:

  • Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
  • Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
  • Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
  • Let us know if you have questions. Please do not hesitate to call us -- we are here to serve you!

Link Site Disclaimer

  • The Credit Union has no control or responsibility for the content, product and services provided by linked sites;
  • the Credit Union does not endorse or guarantee products, information or recommendations provided by linked sites;
  • the Credit Union is not liable for failures of products or services advertised on linked sites;
  • linked sites may have privacy policies which are different from the Credit Union's; and
  • linked sites may provide less security than does the Credit Union's web site.

Fee Schedule

Check Cashing Fees

Members 19 years and older with balance of less than $25.00 and no other services besides a primary share account.

Per Item Fee Unless Specified

1% of check amount ($3.00 Minimum/$10.00 Maximum)

Share Draft Account Fees
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
Mobile Deposit Check Fee $.50 per item
Postdated Draft $30.00
Photo Copy 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

Health Savings Account Fees
Account Set Up Fee $25.00
Annual Fee (after the first year) $12.00
Card Replacement Fee (per card) $10.00

Online Bill Payment Fees
Overdraft $30.00
Stop Payment $30.00
Photo Copy $5.00

Other Fees (applicable to all accounts)
Returned Deposit Item $15.00
Returned ACH Origination Item $15.00
Returned International Deposit Item $30.00
Domestic Wire Out $15.00
International Wire Out Rate varies
Money Order $1.00
Official Check Under $500.00 $1.00
Official Check $500.00 or more free
Stop Payment Official Check $25.00
Photo Copy Official Check $10.00
Fax Service $2.00 - (first page) $1.00 - (per additional page)
Xerox Copy $0.10
Account History Printout $3.00 for each month included in printout
Statement Copies $3.00
Research Fee (30 minutes free) $15.00 per hour - 1 hour minimum
Returned Mail $3.00
Gift Envelope $0.25
Visa Gift Card $3.95
Levy/Garnishment Fee $15.00
Maintenance Fee Inactive Account $30.00
Foreign Drafts U.S. Fund  $10.00
Foreign Drafts Non-U.S. Funds  $10.00 Allow 4-12 Weeks processing time

Electronic Funds Transfer Fees
ACH Origination Change Fee $15.00
Replacement Card (per card) $10.00
Rush Plastics Replacement Card $25.00
NSF Debit Card Transaction $30.00
NSF Preauthorized Withdrawal $30.00
Stop Payment on a Preauthorized Withdrawal $30.00

Safe Deposit Box Fees (Annually)
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 $150.00
Late Payment (per month) $5.00

Loan Fees
Loan Payoff Written Quote Fee $35.00
Loan Late Fee (After 10 days delinquent) $25.00
Real Estate Loan Late Fee (After 10 days delinquent) 5% of delinquent amount



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