Service Fees and Charges
This fee schedule covers deposit accounts and miscellaneous member services. Fees effective November 1, 2024.
| Personal Checking Monthly Charges
|
|
|---|---|
| Northwest Checking
|
Free
|
| Northwest Secure Checking
|
$4.00
|
| Essential Checking (with eStatements)
|
$8.00
|
| Essential Checking (if not signed up for eStatements)
|
$9.00
|
| See all Services Fees and Charges for Executive Checking.
|
|
| Related Checking Fees (personal or business)
|
|
|---|---|
| Stop Payment (per item, per range or sequence)
|
$28.00
|
| Paid or Returned Overdraft (NSF) Fee (per item--check, ACH, or Bill Pay)
|
$28.00 per transaction
|
| Overdraft Advantage Fee (per debit card transactions)
|
$28.00
|
| Overdraft Transfer Fee, per occurance
|
$3.00
|
There is a limit of $140.00 in Overdraft Advantage Fees and Insufficient Funds (NSF) Fees per day we will charge. We will not charge an Overdraft Advantage Fee or Insufficient Funds (NSF) Fee if the amount of the item is $5 or less.
| Automated Teller Machines (ATM)*
|
|
|---|---|
| Withdrawal/inquiry at non-CO-OP Network ATM
|
$1.50
|
| New Card (issuance and anniversary date thereafter)
|
$10.00
|
* Surcharge fees assessed by other institution may be charged to your account.
| Check Negotiation Fees (Per Check) | |
|---|---|
| Canadian Draft Negotiation Fee | $5.00 |
| Foreign Draft Negotiation Fee (in USD) | $2.00 |
| Other Foreign Draft Negotiation Fee | $15.00 |
| Credit/Debit Cards
|
|
|---|---|
| Copies of charge slips (per transaction)
|
$10.00
|
| Replace card
|
$5.00
|
| Emergency card issuance
|
$50.00
|
| Wire Transfers
|
|
|---|---|
| Direct wire transfers inside the USA
|
$25.00
|
| Direct wire transfers outside the USA
|
$55.00
|
| Miscellaneous
|
|
|---|---|
| Paper Statement Service Charge
|
$2.00/each
|
| Account closing (within 180 days of opening Checking or Savings)
|
$15.00
|
| Inactive Checking (no activity has occurred on a checking account for 90 days and the balance is less than $1,000)
|
$5.00/mo.
|
| Dormant Account Fee (no activity on any of your accounts for more than one year)
|
$5.00/mo.
|
| Single Service Fee (member has only savings account with an average balance less than $100.00, is not a primary owner on any other account or sub-account, and is age 19 or older).
|
$5.00/mo.
|
| Undeliverable or incorrect statement address
|
$5.00
|
| Garnishment Processing Fee (per item)
|
$50.00
|
| Research, copies or account reconciliation, per half hour ($5 minimum)
|
$15.00
|
| Returned checks on another person’s account at another institution
|
$10.00 per transaction
|
| Returned checks on your account at another institution
|
$25.00 per transaction
|
| Loan payment (via phone or branch) using non-NWCU card
|
$10.00
|
| Expedited Title Fee
|
$15.00
|
| Cashier’s Checks (first check per day is free)
|
$2.00 each
|
| Declaration of Loss (Cashier’s Check)
|
$28.00
|
| Check cashing (member has only savings account with less than $100.00 and is age 19 or older)
|
10% of check, $10.00 max
|
| Payment extension request | $35.00
|
| Notary signature (available only for members)
|
Free |
| Online loan payment with a non-NWCU debit card
|
$5 each |
Please refer to the rate schedules for Savings, Checking, and Certificate Accounts for dividend and interest rates and annual percentage yields. Service fees and charges are subject to change without prior notice. Service fees and charges are not applicable to youth accounts. This schedules of fees and charges is part of your Membership and Account Agreement.
Federally insured by NCUA.
Business Services & Loans Fees & Charges
These fees apply to business services products. Fees effective September 12, 2017.
| Regular Business Checking
|
|
|---|---|
| Minimum deposit required
|
$100.00
|
| Monthly fee if the balance drops below $2,500
|
$10.00
|
| Per item fee, after the first 99 check withdrawals in a month
|
$0.15
|
| Per item fee, after the first 15 deposited checks in a day
|
$0.15
|
| Small Business Checking
|
|
|---|---|
| Minimum deposit required to open
|
$100.00
|
| Monthly fee if the balance drops below $1,000
|
$7.00
|
| Per item fee, after the first 50 check withdrawals in a month
|
$0.15
|
| Per item fee, after the first 10 deposited checks in a day
|
$0.15
|
| Business Launch Checking
|
|
|---|---|
| Minimum deposit required to open
|
$100.00
|
| Monthly fee
|
No Charge
|
| Per item fee, after the first 50 checks issued or debit items in a month
|
$0.25
|
| Per item fee, after the first 5 items deposited in one day
|
$0.25
|
| VISA® Credit Card
|
|
|---|---|
| Annual fee
|
No Charge
|
| Cash advance fee
|
$3.00 or 1.5% of purchase
|
| Emergency card issuance
|
$50.00
|
| Reissue lost or stolen card
|
$5.00
|
| Automated Clearing House (Electronic Transfers)*
|
|
|---|---|
| Annual fee
|
$60.00
|
| Setup fee
|
$60.00
|
| Monthly fee
|
$20.00
|
| Debit items
|
Free
|
| Credit items – per item fee, after first 25 credit items
|
$0.12
|
| File deletion
|
$20.00
|
| File reversal
|
$20.00
|
*Subject to availability with your account.
| Night Deposit (select locations)
|
|
|---|---|
| First deposit bag and use of this service
|
Free
|
| Each additional deposit bag
|
$5.00
|
| Miscellaneous
|
|
|---|---|
| Rolled coin deposits
|
$0.10 per Roll
|
| Cash deposits
|
$0.25 per $100
|
| Currency purchases
|
$0.25 per Strap
|
| Rolled coin purchases
|
$0.10 per Roll
|
| Inaccurate deposit slip correction
|
$2.00 per occurrence
|
Please refer to rate schedules for business savings, checking, and certificate of deposit accounts for dividend, interest rate, and annual percentage yields. Service fees and charges are subject to change without prior notice. This Service Fees and Charges is part of your Membership and Account Agreement.
Federally insured by NCUA.