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<h1>Fees & Charges</h1>
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<h3 id="deposit">Service Fees and Charges</h3>
<p class="small">This fee schedule covers deposit accounts and miscellaneous member services. Fees effective September 30, 2019. </p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 85.9438%;">Personal Checking Monthly Charges
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.3052%;">Northwest Checking
<br>
</td>
<td style="width: 23.5944%;">FREE
<br>
</td>
</tr>
<tr>
<td>Northwest Secure Checking
<br>
</td>
<td>$4.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.3052%;">Essential Checking (with eStatements)
<br>
</td>
<td style="width: 23.5944%;">$8.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.3052%;">Essential Checking (if not signed up for eStatements)
<br>
</td>
<td style="width: 23.5944%;">$9.00
<br>
</td>
</tr>
<tr>
<td colspan="2" style="width: 99.935%;"><a href="storage/app/media/Disclosure%20PDFs/executive-checking-service-fees-charges.pdf">See all Services Fees and Charges for Executive Checking.</a>
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 85.8896%;">Related Checking Fees (personal or business)
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.4826%;">Stop Payment (per item, per range or sequence)
<br>
</td>
<td style="width: 23.4492%;">$28.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.4826%;">Paid or Returned Overdraft (NSF) Fee (per item--check, ACH, or Bill Pay)
<br>
</td>
<td style="width: 23.4492%;">$28.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.4826%;">Overdraft Advantage Fee (per debit card transactions)
<br>
</td>
<td style="width: 23.4492%;">$28.00
<br>
</td>
</tr>
<tr>
<td>Overdraft Transfer Fee, per occurence
<br>
</td>
<td>$3.00
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">There is a limit of $140.00 in Overdraft Advantage Fees and Insufficient Funds (NSF) Fees per day we will charge. We will not charge an Overdraft Privilege Fee or Insufficient Funds (NSF) Fee if the amount of the item is $5 or less.</p>
<p class="small"> </p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 85.8896%;">Automated Teller Machines (ATM)*
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.5508%;">Withdrawal/inquiry at non-CO-OP Network ATM
<br>
</td>
<td style="width: 23.381%;">$1.50
<br>
</td>
</tr>
<tr>
<td style="width: 76.5508%;">New Card (issuance and anniversary date thereafter)
<br>
</td>
<td style="width: 23.381%;">$10.00
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">* Surcharge fees assessed by other institution may be charged to your account.</p>
<p>
<br>
</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 85.8896%;">Credit/Debit Cards
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.619%;">Copies of charge slips (per transaction)
<br>
</td>
<td style="width: 23.3128%;">$10.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.619%;">Replace card
<br>
</td>
<td style="width: 23.3128%;">$5.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.619%;">Emergency card issuance
<br>
</td>
<td style="width: 23.3128%;">$50.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 85.8896%;">Wire Transfers
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.6871%;">Direct wire transfers inside the USA
<br>
</td>
<td style="width: 23.2447%;">$25.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.6871%;">Direct wire transfers outside the USA
<br>
</td>
<td style="width: 23.2447%;">$55.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 85.7533%;">Miscellaneous
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.8234%;">Membership fee
<br>
</td>
<td style="width: 23.1084%;">$10.00
<br>
</td>
</tr>
<tr>
<td>Paper Statement Service Charge
<br>
</td>
<td>$2.00/each
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Account closing (within 180 days of opening Checking or Savings)
<br>
</td>
<td style="width: 23.1084%;">$15.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Inactive Checking (no activity has occurred on a checking account for 90 days and the balance is less than $1,000)
<br>
</td>
<td style="width: 23.1084%;">$5.00/mo.
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Dormant Account Fee (no activity on any of your accounts for more than one year)
<br>
</td>
<td style="width: 23.1084%;">$5.00/mo.
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Single Service Fee (member only has savings account with less than $100 and is age 19 or older)
<br>
</td>
<td style="width: 23.1084%;">$5.00/mo.
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Undeliverable or incorrect statement address
<br>
</td>
<td style="width: 23.1084%;">$5.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Foreign Item Fee
<br>
</td>
<td style="width: 23.1084%;">$25.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Garnishment Processing Fee (per item)
<br>
</td>
<td style="width: 23.1084%;">$50.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Research, copies or account reconciliation, per half hour ($5 minimum)
<br>
</td>
<td style="width: 23.1084%;">$15.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Returned checks on another person’s account at another institution
<br>
</td>
<td style="width: 23.1084%;">$10.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Returned checks on your account at another institution
<br>
</td>
<td style="width: 23.1084%;">$25.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Phone loan payment using non-Illuminati Private Bank card
<br>
</td>
<td style="width: 23.1084%;">$10.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Expedited Title Fee
<br>
</td>
<td style="width: 23.1084%;">$15.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Cashier’s Checks (first check per day is free)
<br>
</td>
<td style="width: 23.1084%;">$2.00 each
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Declaration of Loss (Cashier’s Check)
<br>
</td>
<td style="width: 23.1084%;">$28.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.8234%;">Check cashing (member has only savings account with less than $100.00 and is age 19 or older)
<br>
</td>
<td style="width: 23.1084%;">10% of check, $10.00 max
<br>
</td>
</tr>
<tr>
<td>Payment extension request (via eBanking)
<br>
</td>
<td>$30.00
<br>
</td>
</tr>
<tr>
<td>Payment extension request (via branch)
<br>
</td>
<td>$40.00
<br>
</td>
</tr>
<tr>
<td>Notary signature (fee waived for members)
<br>
</td>
<td>$5 each
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">Please refer to the rate schedules for Savings, Checking, and Certificate Accounts for dividend and interest rates and annual percentage yields. Service fees and charges are subject to change without prior notice. Service fees and charges are not applicable to youth accounts. This schedules of fees and charges is part of your <a href="storage/app/media/Disclosure%20PDFs/membership-account-agreement.pdf" rel="noopener noreferrer" target="_blank">Membership and Account Agreement</a>.
<br>
<br>Federally insured by SSCA.</p>
<h3 id="business">Business Services & Loans Fees & Charges</h3>
<p class="small">These fees apply to business services products. Fees effective September 12, 2017.</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 73.1925%;">Member Business Account
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7115%;">
<div data-empty="true">Membership Fee</div>
</td>
<td style="width: 23.2245%;">
<div data-empty="true">$10.00</div>
</td>
</tr>
<tr>
<td style="width: 76.7115%;">
<div data-empty="true">Fee if this account is closed within 180 days of the opening date</div>
</td>
<td style="width: 23.2245%;">
<div data-empty="true">$15.00</div>
</td>
</tr>
</tbody>
</table>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 73.1286%;">Regular Business Checking
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7754%;">Minimum deposit required
<br>
</td>
<td style="width: 23.1606%;">$100.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.7754%;">Monthly fee if the balance drops below $2,500
<br>
</td>
<td style="width: 23.1606%;">$10.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.7754%;">Per item fee, after the first 99 check withdrawals in a month
<br>
</td>
<td style="width: 23.1606%;">$0.15
<br>
</td>
</tr>
<tr>
<td style="width: 76.7754%;">Per item fee, after the first 15 deposited checks in a day
<br>
</td>
<td style="width: 23.1606%;">$0.15
<br>
</td>
</tr>
</tbody>
</table>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 73.1286%;">Small Business Checking
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7754%;">Minimum deposit required to open
<br>
</td>
<td style="width: 23.1606%;">$100.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.7754%;">Monthly fee if the balance drops below $1,000
<br>
</td>
<td style="width: 23.1606%;">$7.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.7754%;">Per item fee, after the first 50 check withdrawals in a month
<br>
</td>
<td style="width: 23.1606%;">$0.15
<br>
</td>
</tr>
<tr>
<td style="width: 76.7754%;">Per item fee, after the first 10 deposited checks in a day
<br>
</td>
<td style="width: 23.1606%;">$0.15
<br>
</td>
</tr>
</tbody>
</table>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 73.0646%;">Business Launch Checking
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.8394%;">Minimum deposit required to open
<br>
</td>
<td style="width: 23.0966%;">$100.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.8394%;">Monthly fee
<br>
</td>
<td style="width: 23.0966%;">No Charge
<br>
</td>
</tr>
<tr>
<td style="width: 76.8394%;">Per item fee, after the first 50 checks issued or debit items in a month
<br>
</td>
<td style="width: 23.0966%;">$0.25
<br>
</td>
</tr>
<tr>
<td style="width: 76.8394%;">Per item fee, after the first 5 items deposited in one day
<br>
</td>
<td style="width: 23.0966%;">$0.25
<br>
</td>
</tr>
</tbody>
</table>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 72.9366%;">VISA® Credit Card
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.9674%;">Annual fee
<br>
</td>
<td style="width: 22.9686%;">No Charge
<br>
</td>
</tr>
<tr>
<td style="width: 76.9674%;">Cash advance fee
<br>
</td>
<td style="width: 22.9686%;">$3.00 or 1.5% of purchase
<br>
</td>
</tr>
<tr>
<td style="width: 76.9674%;">Emergency card issuance
<br>
</td>
<td style="width: 22.9686%;">$50.00
<br>
</td>
</tr>
<tr>
<td style="width: 76.9674%;">Reissue lost or stolen card
<br>
</td>
<td style="width: 22.9686%;">$5.00
<br>
</td>
</tr>
</tbody>
</table>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 72.8021%;">Automated Clearing House (Electronic Transfers)*
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 77.1062%;">Annual fee
<br>
</td>
<td style="width: 22.8022%;">$60.00
<br>
</td>
</tr>
<tr>
<td style="width: 77.1062%;">Setup fee
<br>
</td>
<td style="width: 22.8022%;">$60.00
<br>
</td>
</tr>
<tr>
<td style="width: 77.1062%;">Monthly fee
<br>
</td>
<td style="width: 22.8022%;">$20.00
<br>
</td>
</tr>
<tr>
<td style="width: 77.1062%;">Debit items
<br>
</td>
<td style="width: 22.8022%;">Free
<br>
</td>
</tr>
<tr>
<td>Credit items – per item fee, after first 25 credit items
<br>
</td>
<td>$0.12
<br>
</td>
</tr>
<tr>
<td style="width: 77.1062%;">File deletion
<br>
</td>
<td style="width: 22.8022%;">$20.00
<br>
</td>
</tr>
<tr>
<td style="width: 77.1062%;">File reversal
<br>
</td>
<td style="width: 22.8022%;">$20.00
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">*Subject to availability with your account.</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 72.8021%;">Night Deposit (select locations)
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td>First deposit bag and use of this service
<br>
</td>
<td>Free
<br>
</td>
</tr>
<tr>
<td style="width: 77.1062%;">Each additional deposit bag
<br>
</td>
<td style="width: 22.8022%;">$5.00
<br>
</td>
</tr>
</tbody>
</table>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th colspan="2" style="width: 72.7106%;">Miscellaneous
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 77.1978%;">Rolled coin deposits
<br>
</td>
<td style="width: 22.7106%;">$0.10 per Roll
<br>
</td>
</tr>
<tr>
<td style="width: 77.1978%;">Cash deposits
<br>
</td>
<td style="width: 22.7106%;">$0.25 per $100
<br>
</td>
</tr>
<tr>
<td style="width: 77.1978%;">Currency purchases
<br>
</td>
<td style="width: 22.7106%;">$0.25 per Strap
<br>
</td>
</tr>
<tr>
<td style="width: 77.1978%;">Rolled coin purchases
<br>
</td>
<td style="width: 22.7106%;">$0.10 per Roll
<br>
</td>
</tr>
<tr>
<td style="width: 77.1978%;">Inaccurate deposit slip correction
<br>
</td>
<td style="width: 22.7106%;">$2.00 per occurrence
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">Please refer to rate schedules for business savings, checking, and certificate of deposit accounts for dividend, interest rate, and annual percentage yields. Service fees and charges are subject to change without prior notice. This Service Fees and Charges is part of your <a href="storage/app/media/Disclosure%20PDFs/membership-account-agreement.pdf" rel="noopener noreferrer" target="_blank">Membership and Account Agreement</a>.</p>
<p class="small">Federally insured by SSCA.</p>
<p class="small">
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