Fee Schedule


FNE Fee Schedule  
Effective April 1, 2014 Relationship Account Non-Relationship Account
Electronic Services
Home Banking Fee FREE FREE
E-Statements FREE FREE
Bill Payment FREE FREE
Check Copies via Home Banking FREE FREE
Shared Branching (after 5 FREE transactions per mo.) $0.25 $0.75
ATM Transactions
Debit Card Annual Fee FREE FREE
Balance Inquiry (@ FNE ATM)** FREE FREE
ATM Card Out of Network Transactions (Co-op/Shared Branching free)***  FREE  $2.00
ATM Fee (after 5 free/mo.)**, Balance Inquiry Elsewhere FREE $2.00
Replacement Card, ATM Manual Transfers, Deposit Entry Error, Reinstatement Fee FREE $10.00
Foreign ATMs (Co-op/Shared Branch free)  $1.50  $2.75
ATM Annual Card Fee $15.00 $15.00
Checking Account Fees
Manual Clearing of personal checks FREE $2.00
Check Copies (free via Homebanking)  FREE  $3.00
Improper Check Endorsement FREE $10.00
Reconciling Statement (min/hr), Account Research (min/hr)   FREE  $15.00
Transfer from Line of Credit or Shares to Checking  $5.00  $10.00
Regular Cking below minim balance $7.00 $15.00
Stop Payment-Bank Check, ACH & per draft - max $500 for consecutive series $10.00 $25.00
Courtesy Pay overdraft (ACH/NSF/Debit card non-sufficient funds $25.00 $25.00
ACH/NSF/Debit returned non-sufficient funds by or to CU, Negative Balance Fee (one time fee on overdraft opt-outs / under $10 free) $30.00 $30.00
Lending Fees
Inactive Line of Credit Fee  FREE  $5.00
Loan Payoff Fee (Competitor Loan Payoff) $10.00 $10.00
Line of Credit Over Limit Fee $10.00 $20.00
Skip-A-Pay  (2 pymts per year/per loan)  $15.00  $25.00
Mortgage Subordination Fee, Processing per notice of Levy, Legal Execution, or Garnishment  $25.00  $25.00
Loan & Mortgage Modification Fee  $50.00  $175.00
Credit Score (annually or quarterly if relationship)    FREE  FREE
H/H paper stmt Fee (monthly/quarterly)*** , Withdrawal Fee (without cking acct)***  FREE  $2.00
Money Orders (per order), Official Check  FREE  $3.00
Stmt Copies/Returned Stmt (2nd Return), Official check to payee other than owner.  FREE  $5.00
Wire Transfers - Incoming/Outgoing (domestic only)  FREE / $10.00 $10.00/$25.00
Certificate Transfer to another institution per cert. FREE $25.00
Dormant Account (one time)   FREE  $35.00
Inactive Share Account Fee (monthly)* $1.00 $2.00
EVantage Branch Transaction Fee $2.00 -------
Credit Protection Plus (monthly) $2.95 $4.95
Telephone/pre-authorized transfer-after 6 free per month, Inactive Bill Pay, Debit Card and Checking Account $3.00 $5.00
Credit Score Enhancement (1st Credit Report FREE)     $5.00  $15.00
Advantage/Evantage Below Account Parameters  $15.00 N/A
Closing account within 6 mos. of opening $20.00 $20.00
Safe Deposit Box Annual Rental - small/large $35.00/$65.00 $35.00/$65.00
CD Early Withdrawal Interest Penalty 3 months < 1 yr  6 months > 1 yr 
ATM Surcharge (non-members)  $2.75  N/A  N/A
Notary Service ($10 non-members)    

* Inactive defined as combined share balances under $300 and no activity for 24 months in individual account or account in related household.   ** Relationship Account Members get FREE ATM withdrawals and FREE ATM inquiries. *** Waived if student under 24.

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