NAECU is here to help you in any way we can! Should you have any accessibility issues with our site please call us during business hours at 256-534-2423 and we will personally assist you with anything you need.
NAECU logo

Specials on Youth Accounts 18 & Under: Earn $15 towards new member accounts & checking accounts!

Fee Schedule

Effective as of February 10, 2017

Description Statement Message Charge
i-Pay Bill Payment No Charge
Mobile Money No Charge
Minimum Balance Violations Service Fee $2.00 per month
Escheat Fee (Per Member) Escheat Fee $25.00
Excessive Savings Withdrawals Excess Withdrawal Fee $1.00 each
Account Closing Early Close Penalty $15.00 within 90 days
Account Reopening Fee Reopen Fee $15.00
MemberLink Audio Response No Charge
CU-Online Home Banking No Charge
Dormant Account with Bad Address Dormant Fee $10.00 per month
Dormant Account* Dormant Fee $5.00 per month
Returned Items NSF Charge $29.00 Each
MasterCard Debit Chargeback Fee Chargeback Fee $25.00 per Chargeback
Checking Account Reinstatement Reinstatement Fee $25.00 per Request
Overdraft Privilege - Items paid Courtesy pay $29.00 Each
Verification of Deposit Request VOD Fee $5.00 Per VOD Request
Third Party Check Returned Third Party NSF Fee $15.00 Each
Returned Items on accounts owned by Member NSF Charge $29.00 Each
Returned Items at Shared Branches NSF Charge $29.00 Each
Stop Payments Stop Pmt Fee $15.00 Each
ATM/Check Card Withdrawals ATM/Debit Card Fee Surcharge Fee charged by ATM Owner
ATM/Check Card Transfers Transfer Fee $1.00 Each
ATM/Check Card Inquiries Inquiry Fee $0.50 Each
ATM/Check Card Replacement ATM/Debit Card $10.00 Each
ATM/Check Card Express Shipping ATM/Debit Card $75.00
Wire Transfers - Outgoing Outgoing Wire Fee $15.00 Each
Wire Transfers - Incoming Incoming Wire fee $15.00 Each
Credit Union to Credit Union Transfer CU to CU Transfer Fee $10.00 Each
Statement Copies Statement Copies Fee $1.00 Per Page
Share Draft Copies Share Draft Copies Fee $3.00 Each
Account History Account History Fee $3.00 Each
Account Balancing/Research Balancing/Research Fee $15.00 Per hr
International Draft International Draft Fee $20.00 Each
International Wire International Wire Fee $35.00 Each
Non-Member Cashier's Check $5.00 Each
Cashier's Check Cashier's Check Fee $3.00 Each
Official Check Official Check Fee $3.00 Each
Money Orders Money Order Fee $2.00 Each
IRA Close Acct Fee IRA Close Fee $15.00 Each
Title Processing Fee Late Charge Title Fee $20.00 Per Title
Loan Modification Fee Loan Modification Fee $35.00 Each
Lost Coupon Book (Replace Lost) Coupon Book Fee $5.00 Each
Automated Transfer Fee Transfer Fee $2.50 Each
Address Change Fee (Post Office) Address Change Fee $5.00 Each
Bad Address Fee Bad Address Fee $10.00 Per Month
Notary Service No Charge
NADA Values No Charge
Faxing Service Faxing Fee $3.00 Per Page
Legal Orders Rec'd (Levy's Garnishments, etc) Legal Orders Fee $25.00
VISA Gift Cards $3.00 Per Card

*Inactive 12 months, total shares below $100. 19 and over, no loans