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Checking

Find Out About A Power Account

Save at higher money-market rates with a NEFCU Power Account, while maintaining easy access to your money.

We believe that you should be treated fairly when you do your checking. So we not only have no or low monthly fees, we also make it less likely for you to be charged unexpected or excessive penalties if you ever overdraw your account. Find out more about our FAIR Checking Promise to you.

What checking is best for you?
Use this Checking Choice tool to select the best fit in checking. Then, to compare this account to other financial institutions, take along the Shopper's Guide that the Checking Choice tool will show you.

Rates
What Makes NEFCU Checking Valuable?
Participation Rewards


Checking¹ 5/17/2012
	Minimum to Open	Current Rate	Annual Percentage Yield¹
Checking Account	$25²	0.05%	0.05%
¹Rates are subject to change after account opening. ²A minimum daily balance of $500 must be maintained in your account each day to obtain the disclosed APY.

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
NEFCUOnline
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)	$19.00
Return Fee (Draft or ACH item returned due to insufficient or uncollected funds)	$24.00
Foreign Check Collection	$35.00
Stop Payment Fee for Share Draft or Official Check	$19.00
Check Image for Share Draft or Official Check (print check images using View Check service in NEFCUOnline with no fee)	$2.00
Expedited Payments Electronic (ACH) Overnight Check	$4.95 $24.95
Research/ Reconciliation Services (per hour, $5 minimum)	$10.00
Levies Processed on Member Accounts	$25.00
Deposited Item Charge Back Fee Same Maker Third Party (payment refused by payer's financial institution on a deposited item)	$24.00 $5.00
Statement Copy (print statements from NEFCUOnline 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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