Member Fees and Charges

This fee schedule covers deposit accounts and miscellaneous member services. Fees effective April 3, 2018.

Personal Checking Monthly Fees
Great Northwest Checking
$6.95
Northwest Checking
FREE
Essential Checking (with eStatements)
$8.00
Essential Checking (if not signed up for eStatements)
$9.00
Related Checking Fees (personal or business)
Stop Payment (per item, per range or sequence)
$28.00
Paid or Returned Overdraft (NSF) Fee (per item--check, ACH, or Bill Pay)
$28.00
Overdraft Transfer Fee, per occurrence
$3.00
Automated Teller Machines (ATM)*
Withdrawal/inquiry at non-CO-OP Network ATM
$1.50
New Card (issuance and anniversary date thereafter)
$10.00

* Surcharge fees assessed by other institution may be charged to your account.


Credit/Debit Cards
Copies of charge slips (per transaction)
$10.00
Replace card
$5.00
Emergency card issuance
$50.00
Wire Transfers
Direct wire transfers inside the USA
$25.00
Direct wire transfers outside the USA
$55.00
Miscellaneous
Membership fee
$10.00
Account closing (within 180 days of opening Checking or Savings)
$15.00
Inactive Checking (no activity has occurred on a checking account for 90 days and the balance is less than $1,000)
$5.00/mo.
Dormant Account Fee (no activity on any of your accounts for more than one year)
$5.00/mo.
Single Service Fee (member only has savings account with less than $100 and is age 19 or older)
$5.00/mo.
Undeliverable or incorrect statement address
$5.00
Foreign Item Fee
$25.00
Garnishment Processing Fee (per item)
$50.00
Research, copies or account reconciliation, per half hour ($5 minimum)
$15.00
Returned checks on another person’s account at another institution
$10.00
Returned checks on your account at another institution
$25.00
Phone loan payment using non-NWCU card
$10.00
Expedited Title Fee
$15.00
Cashier’s Checks (first check per day is free)
$2.00 each
Declaration of Loss (Cashier’s Check)
$28.00
Check cashing (member has only savings account with less than $100.00 and is age 19 or older)
10% of check, $10.00 max
Payment extension request (via eBanking) $30.00
Payment extension request (via branch) $40.00 
Notary signature (fee waived for members) $5 each

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 Membership and Account Agreement.

Federally insured by NCUA.

Business Services & Loans Fees & Charges

These fees apply to business services products. Fees effective September 12, 2017.

Member Business Account
Membership Fee
$10.00
Fee if this account is closed within 180 days of the opening date
$15.00
Regular Business Checking
Minimum deposit required
$100.00
Monthly fee if the balance drops below $2,500
$10.00
Per item fee, after the first 99 check withdrawals in a month
$0.15
Per item fee, after the first 15 deposited checks in a day
$0.15
Small Business Checking
Minimum deposit required to open
$100.00
Monthly fee if the balance drops below $1,000
$7.00
Per item fee, after the first 50 check withdrawals in a month
$0.15
Per item fee, after the first 10 deposited checks in a day
$0.15
Business Launch Checking
Minimum deposit required to open
$100.00
Monthly fee
No Charge
Per item fee, after the first 50 checks issued or debit items in a month
$0.25
Per item fee, after the first 5 items deposited in one day
$0.25
VISA® Credit Card
Annual fee
No Charge
Cash advance fee
$3.00 or 1.5% of purchase
Emergency card issuance
$50.00
Reissue lost or stolen card
$5.00
Automated Clearing House (Electronic Transfers)*
Annual fee
$60.00
Setup fee
$60.00
Monthly fee
$20.00
Debit items
Free
Credit items – per item fee, after first 25 credit items
$0.12
File deletion
$20.00
File reversal
$20.00

*Subject to availability with your account.

Night Deposit (select locations)
First deposit bag and use of this service
Free
Each additional deposit bag
$5.00
Miscellaneous
Rolled coin deposits
$0.10 per Roll
Cash deposits
$0.25 per $100
Currency purchases
$0.25 per Strap
Rolled coin purchases
$0.10 per Roll
Inaccurate deposit slip correction
$2.00 per occurrence

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 schedule of fees and charges is part of your Membership and Account Agreement.

Federally insured by NCUA.