NIU Employees Federal Credit Union Fee Schedule
(Effective March 2013)

VISA CU Money Travel/General Purpose and Gift Card Fees
CU Money VISA Travel Money Card – from $100 to $5000 $  5.00 
CU Money General Purpose Card Purchase (from $10 to $5000) $  5.00
CU Money VISA Card Reloading Fee $  2.50  
VISA Gift Card Fee (from $10 to $500) $  3.00
Account Fees  
NSF item (Per each Share Draft, ACH item, or ATM/Debit item) $30.00
Stop Payment on Check (Per item or continuous series) $30.00
Research Fee (Per hour - minimum 1 hour) $30.00
Reopening a Share Account $25.00
Closing a Share Account Within 30 Days of Opening $25.00
Dormant Account Fee (Quarterly, waived if $1,500.00 is maintained or activity in sub accounts) $ 3.00
ATM/Debit Card Fee (Replace lost card) $10.00
ATM/Debit Pin based purchase (each purchase) $  1.00
ATM Foreign Machine Withdraw (each withdraw) $  1.00
Account Printout Fees/Duplicate statement $  5.00
Daily Overdrawn Account Fees (Per day) $  2.00
Shares under $25.00 minimum balance Fee (Per month) $  5.00
Check Cashing (Waived if share/loan balances exceed amount of check or draft account) $  5.00
Holiday club excessive withdraw fee (Per withdraw after two free per year) $  5.00
Miscellaneous Fees  
Purchase Money Orders – (up to $1000 each) $  1.50
Returned Deposit Items/Loan Payment $25.00
Loan Late Payment Fee (9 days grace) $10.00
Home Equity Line-of-Credit Annual Fee (Charged February 1st of each year) $25.00
Overdraft Protection Annual Fee (Charged February 1st of each year) $25.00
Teller check (Three free per month) $  3.00 per check
Copy of Cleared Teller Checks (Per check) $  5.00
Teller Check stop payment $30.00
Garnishment/Levy $25.00
Non-member check cashing $  5.00
Returned mail fee (Per item/one fee waived) $  3.00
Typed information Letter $  5.00
GAP $199.00
Wire Transfer Fee $20.00
International Wire Transfer Fee $30.00
Pass through fees (actual cost passed on to member)  
Secretary of State Title Fees $95.00
Secretary of State Identification Card Correction $  3.00
ATM/Debit foreign exchange fees Varies usually 1% of purchase
Foreign check conversion costs (Normally not accepted) Varies
Check ordering Varies depending upon style
Incorrect social security number fee $50.00
Express mail fees Varies
ATM surcharges Varies
ATM/Debit card recovery fee $65.00