Service Fees

The following is a comprehensive listing of fees for account-related services. If a fee is due and the account does not hold enough assets to cover it, the amount will be deducted from any available source under your member number or any account you own, solely or jointly.

Account & Member Service Fees

Fee Type Amount Additional Information
Membership Fee $25 Deposit An initial deposit of $25.00 is required to open a membership.
Early Close Fee $20.00 If you close your membership account within 90 days of opening the fee will apply. 
Membership Re-Opening Fee $25.00 Re-opening of any membership or account previously closed within the last 12 calendar months.
Balancing & Research Account Fee $30.00 For each hour of research or balancing required, you will be charged $30.00/hour with a minimum charge of $30.00. 
Copy of Documents $3.00/per page Applies to documents including: Account Activity • Check Copy • Interim Statement Membership Statement • Special Statement Cutoff Subpoena • Loan Document • Deposited Check 
Copy of Credit Union Draft Fee $5.00 Teller check from Member’s account
Insufficient Check, ACH or Other Item Return Fee $30.00 If your overdraft loan is at its limit and items are presented for payment, the item (check, ACH or other item) will be returned Insufficient Funds (NSF) and your account will be charged $30.00. 
Transfer Fee to Clear Checks, ACH or Other Items $5.00 Automatic transfers from savings accounts to checking accounts to clear items are charged $5.00 per transfer (limit of 6 automatic or unsigned per month). Transfers made in increments of $50.00. 
Courtesy Pay $30.00 Fee to clear an Insufficient Funds (NSF) check if a deposit is made the same day to cover the check. 
Returned Deposit Check Fee $10.00 Any check deposited to your account that is returned to for any reason is charged a $10.00 handling fee. Checks are usually deposited twice. If the check fails to clear, it is your responsibility to collect the funds from the person who wrote you the check and pay any fees incurred. 
Stop Payment Items $30.00 Orders to stop payment of checks or ACH items will be charged $30.00. ACH item need 72 hours prior notice from withdrawal date to stop payment. 
Money Market Withdrawal Fee $10.00 The first 3 withdrawals per month are free and the second 3 withdrawals will be charged a $10.00 fee per withdrawal. NCCU allows only 6 withdrawals per month. 
Money Market Minimum Balance Fee  Account is Closed Money Market Account will be CLOSED if balance falls below Minimum Balance. 
Cashier’s Check Fee $5.00/per check Must be purchased with guaranteed funds.
Teller Counter Check Fee $3.00 For teller counter checks that are payable to a third party.
Money Orders $2.00/per money order Money Orders are available from $1.00 to $999.00. (must be purchased with guaranteed funds)
Temporary Checks $2.00/per page  
Green Checking FREE With enrollment in e-statements and debit cards. Three monthly electronic payments or active Online Bill Pay is also required.
Written Checks for Green Checking $0.50/per check First FIVE written checks per month are free; $0.50 each for checks thereafter. 
Classic Checking  $5.00/month Fee is assessed monthly.
Dormant Membership Fee* $5.00 Fee assessed if your checking account is inactive for more than 90 days. Waived with minimum balance of $300.00 or more.
Millennium Checking Minimum Balance Fee $10.00 Fee will be assessed if your balance falls below the Minimum Balance. 
Garnishment and Tax Levy Processing Fee $50.00/per presentation Statements returned for incorrect address assessed for processing. Please notify us of your new address and phone numbers to avoid this fee!
Returned Statement Fee $5.00 Any statement returned for incorrect address will incur $5 processing fee. Please notify us of your new address and phone numbers.
Outgoing Domestic Wire Fee $20.00  
International Wire Fee $50.00 (minimum) Contact your NCCU branch for more details.

MasterCard™ Debit Card Fees

Fee Type Amount Additional Information
ATM Withdrawal Fee $2.00/per transaction First eight (8) ATM withdrawals per month are FREE
Replacement Card Fee $10.00  
Rush Replacement Card Fee $40.00  
Foreign Transaction Fee 1% of Total Transaction Fee accessed for transactions completed in a foreign currency. 

VISA™ Platinum Rewards Credit Card Fees

Fee Type Amount   Additional Information
Late Payment Fee $15.00  
Returned Payment Fee $15.00  
Card Replacement Fee $15.00  

We will be closed Thursday, November 26, 2020 for Thanksgiving.CLICK HERE FOR AN IMPORTANT COVID-19 UPDATE ABOUT OUR LOBBY OPERATIONS