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
An initial deposit of $25.00 is required to
open a membership.
Early Close Fee
If you close your membership account
within 90 days of opening the fee will apply.
Membership Re-Opening Fee
Re-opening of any membership or account
previously closed within the last 12 calendar months.
Balancing & Research Account Fee
For each hour of research or balancing
required, you will be charged $30.00/hour with a minimum charge of
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
Transfer Fee to Clear Checks, ACH or
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
Fee to clear an Insufficient Funds (NSF)
check if a deposit is made the same day to cover the check.
Returned Deposit Check Fee
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
Stop Payment Items
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
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
Must be purchased with guaranteed funds.
Teller Counter Check Fee
For teller counter checks that are
payable to a third party.
$2.00/per money order
Money Orders are available from $1.00 to
$999.00. (must be purchased with guaranteed funds)
With enrollment in e-statements and debit
cards. Three monthly electronic payments or active Online Bill Pay is also
Written Checks for Green Checking
First FIVE written checks per
month are free; $0.50 each for checks thereafter.
Fee is assessed monthly.
Dormant Membership Fee*
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
Fee will be assessed if your balance
falls below the Minimum Balance.
Garnishment and Tax Levy Processing Fee
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
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
International Wire Fee
Contact your NCCU branch for more
MasterCard™ Debit Card Fees
ATM Withdrawal Fee
First eight (8) ATM withdrawals per month
Replacement Card Fee
Rush Replacement Card Fee
Foreign Transaction Fee
1% of Total Transaction
Fee accessed for transactions completed
in a foreign currency.