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f0ra(count <5500.00 cumulative between savings, loans and checking products.


Share Draft Account Fees:
0ver draft (5hare
Draft/ATM/ACH) Fee:
Stop Payment (Share
Draft/ATM/ACH) Fee:
Share Draft Printing: Price may vary depending on style
0verdraft Protedion (5hare Dr;fl/AiM/AcH) Fd:
(opy
ofDraft Fee:
Copy ofDraft faxed Fee:
A(count History Between Statements Fee:
(heck
Cashing Fee:
Monthly Maintenance Fee:
Monthly Maintenance Fee:(Premier Checking)
Stop Payment (Group
ofChecla) Fee:
50C (Courtesy
Pay):
You Earned lt
(hecking
(62
and over):
Monthly Maintenance Fee:
Money Market Account:
Monthly Maintenance Fee:
PurEqsritare
Draft
(includes
D/B/At's)
0verdraft(ShareDraft/At\,!/4flJ)FeE-
532.00peritem
5t0p Paymenr (Share Drafr/ATM/AtH) Fee:
520.00 per request
Share Draft Printing: Price mayvary depending on style
.
0verdraft Protecrion (Share Dr;ft/AfM/AtH) Feet
55.00 pertransfer
CopyofDraftFee:
$:.zs
feiorat
CopyofDraftfaxed Fee:
53.75 berdraft
Account History Benrueen statements Fee:
i7.00 ier
account
Check Cashing Fee:
52.00
per hundred
.
for account <5500.00 cumulative between savings, loans and checking products.
Monthly Maintenan(e Fee:
m rdiouiil:i1?i,;'o,
50C(Courtesypay):
$32.00 peritem
$32.00
per item
520.00 per request
55.00
pertransfer
$3.75 perdraft
53.75
perdraft
57.00 peraccount
52.00
per hundred
56.00 Collected Daily
Balance of 5200
$25.00 Collected Daily
Balance 0f51,500
s20.00
$32.00 peritem
5i5.00 Collected Daily
Balance of$1,500
515.00 for accounts
that fall below 52,500
535.00 Collected Daily
Balance 0f520,000
to avoid service charge
56.00 collected Dailv
Balance of 5750.00
'
to avoid service charge
s12.00
5s0.00
525.00
YouthSavingsAccounts(forl7&under):
Nocharge n/a
tte-mg4ryes$rcnt
s av in gs :
Monthly Maintenan(e Fee
Health Savinqs Accounts:
Monthly Maintenance Fee:
lnitial set-up Fee (onetime):
Required electronic deposit/monthly:
Share/Loan Aceounts:
Minimum balance:
Free-E Checking:
No minimum balance
Direct Deposit required
E-Statement required
Home Banking
Debit Card
25% rate reduct'ton on all approved consumer loans (exrept during loan specials)
unlimited use 0f N0rthern Lights AIMs/0ne free overdraft iee waivir per year/0ne free
stop paymnt service a year/Free Iheck.lmages online Limited over counier activity:
J tree deposits a month/B free cleared checla and other c0unter debits per month.'
northern lights
CREDIT UNION
Making a difference
EFT
(ATM
DebiV(heckcard accounts):
Electronic loan payment earns you an additi0nal .25% rate reduction 0n c0nsumer loans
Except during specials.
Afterfi6t 5 Foreign transactions in a month:
Negative Balance Charge:
0verdraft Protection charge:
Replacement cards:
Pin replacement:
Hot-card (ATM/Debit card):
52.00 peritem
after first 5
$32.00 per item
55.00 pertransfer
57.50 each
55.00 perpin
$15.00 per card
E-Payments
(0riginating
Electronie Transactions):
Returned Payments:
532.00 pertransaction
Share Value:
ParVafue ofone Share:
525.00
$7.00 per account
55.00 per change
525.00
per wire
515.00
per wire
$40.00 perwire
55.00 per check
55.50 pereach bill
532.00 per bill
535.00 afterten (10)
days grace period
532.00 per check
returned
53.75 per page faxed
52.00 perpage
FRIE
FREE
FREE
535.00 per loan
$50.00 per loan
575.00 per loan
510 permonth
FREE first 15 minutes
525.00 per hour thereafter
FREE first 15 minutes
525.00 per hour thereafter
FREI to members;
-
55.00 non-members
$3.50 per inquiry/transfer
535.00
per proces
5325.00 repossession
5750.00 legal action
54s.00
5250.00 unless waived
$2.00
515.00 if dosed within
6 months ofopening
s10.00
aciual cost
Discharge fees Home Equity
Coin Handling Fee
GAP
\/5t
(ertifi
ed Fees forTitle:
UCC/and Release of Fee:
dep'sir
sreaterthan s25 or more ,#5fii*fl,'fl:$llJfl]l
$295.00
525.00 subiect to chanqe
actual
(0st
actual cost
Change ofAddress (ifcharged by USPS)
Wire Tra nsfer (0utgoing)
Wire Transfer (lncoming)
Wire Transfer (foreign
outgoing)
Cashier/Credit Union Check
(made out to a third party), (62 & over, limit 3 free/monrh)
Bill Pay Fee:
Bill Pay Overdraft Fee:
Late Fee:
Returned Check (over the
(ounter)
(Deposit/Loan Aaounts)
Faxing
Photocopy
Audio Response
lnternet Banking
Mobile Banking
Loan Application
Anything Loan Application
Seasonal Loan specials, Application
Dormant Account
(on all accounts exceptYouth accounts)
Research
Checkbook Reconciliation
Notary Servkes
Telephone Transfen & lnquiries
(Youth and 62 and over exempt)
Loan Extension Procesing
Levies/Garnishments
Collection
(per repossession or legal action)
Locator
Home Equity Loan Application
Receipt Request Mailing
Account Closing
Reg D Excess of 6 Transactions/month
{i' ffiffi
1004 Memoriat Drive, 5t. Johnsbury,w05819 fltG856{n26
trffiEF il*l!!tt* 240DelhRoad,Littleton,NH0356i
40G370{455

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