Participation Rewards

PARTICIPATION REWARDS BENEFIT LEVELS

* Loan Balances include Mortgage Balances and VISA Balances.

=NO FEE Other Fees	Top Rewards Member Balances > $25 K	Bank@Work™ or Value Member Balances > or = $5 K	eMember™	Basic Balances up to $5 K
*Checking Accounts (Share Draft)*
Monthly Fee				$5 per month waived w/direct deposit
Per Check Fee
Overdraft Protection (Share Overdraft Fee)		$1 each from loan/deposit acct.	$1 each from loan/deposit acct.	$2 each from loan/deposit acct.
Dividends	Dividends paid on accounts with balances greater than $500
Check Printing	(logo checks only)	varies (with check style)	varies (with check style)	varies (with check style)
CheckMate™ Debit/ATM Card
My Picture Card (personalized photo debit card)	$6 each	$6 each	$6 each	$6 each
*Automated & Electronic Services*
Non-NEFCU ATM Network Fee (withdrawals, inquiries, transfers) There may be surcharges at other financial institutions for ATM transactions.		8 Free per month ($1.25 each after)		$1.25 each
NEFCU ATM Transaction
POS & Debit Transaction
PC Banking
BillPay				$6 per month
Accountline (automated phone service)
*Other Benefits*
ATM/Debit Card Replacement				$5
Access to Discount Auto & Home Insurance
.50% Consumer Loan Discount (with AutoPay)
VISA Credit Card Annual Fee
TeleBranch Transaction/Acct. Inq. (person-to-person)			$2 each
Teller Transaction/Account Inquiry			$2 each
Official (Bank) Checks		$2 each	$2 each	$2 each
Wire Transfers - U.S.		$15 each	$15 each	$15 each
Incoming Wire

Fees for All Participation Levels
Overdraft Fee (Draft and ACH item paid with insufficient or uncollected funds)	$22.00
Return Fee (Draft or ACH item returned due to insufficient or uncollected funds)	$22.00
Foreign Check Collection	$15.00
Stop Payment Fee for Share Draft or Official Check	$12.00
Check Image for Share Draft or Official Check (print check images using View Check service in PC Banking with no fee)	$2.00
Research/ Reconciliation Services (per hour, $5 minimum)	$10.00
Levies Processed on Member Accounts	$25.00
Deposited Item Charge Back Fee (payment refused by payer's financial institution on a deposited item)	$5.00
Statement Copy (print statements from PC Banking with no fee)	$5.00
Power Account Excess Debit Fee (for each debit transaction over six per month)	$5.00

Business Share Draft (Checking)
Monthly Service Charge	$5.00
Excess Debit Fee after 15	$0.15

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