About Us
Fee Disclosure
Effective January 1, 2010; Fees subject to change.
- Deposit Account Fees
- Share Draft Fees
- ATM/Check Card Fees
- Share Account Fees
- Additional Services
- Online Bill Pay
- Safe Deposit Box Fees
Deposit Account Fees
| Returned ACH Item (Electronic Debit) | $30.00 |
| Returned Deposit Items | $10.00 |
| Returned Deposit Items Drawn on Self | $25.00 |
| Inactive Account Fee | $25.00 per quarter |
| If account is inactive for one (1) year and share balance is less than $250. |
Share Draft Fees
Below Minimum Balance Fees1
| Basic Checking ($100 minimum balance) | $5.00/Month1 |
| Plus Checking ($500 minimum balance) | $8.00/Month1 |
| Premier Checking ($2,500 minimum balance) | $12.00/Month1 |
| Money Manager Checking (subject to waiver) | $17.00/Month |
| Money ManagerPlus Checking (subject to waiver) | $20.00/Month |
| Non-Sufficient Funds (NSF) or Courtesy Pay2 Item: Checks, ACH (electronic debit), Regulation D3 Overdrawn Account, Check Card, or Online Bill Pay | $30.00 |
| Photocopy of Paid Check | $5.00 |
| Stop Payment on Share Draft Check / ACH Item | $20.00 |
| Checkbook Printing Fees | vary upon quantity & style ordered |
Fee Waiver Qualifications:
Money ManagerPlus Checking:
•With Direct Deposit, use any Foreign ATM in the world free. NIHFCU will not assess a transaction fee and will, upon member request, rebate all fees charged by Foreign ATM operators.
•Monthly fee is waived with $25,000 minimum average daily savings balance or $10,000 minimum average daily savings balance plus direct deposit.
•Unlimited free check printing (standard style)
•Free incoming domestic and international wires
•Free money orders
Money Manager Checking:
•Use any Foreign ATM in the world without NIHFCU fees, and NIHFCU will, upon member request, rebate $25 per month in Foreign ATM operator fees.
•Monthly fee waived with direct deposit
•Unlimited free check printing (standard style)
•Free incoming domestic and international wires
ATM/Visa Check Card Fees
| Card Replacement | $5.00 |
ATM Transaction Fee (ATMs not owned by NIHFCU, Johns Hopkins FCU, Mid-Atlantic FCU or Family Service Centers)
| Savings Account & Basic Checking | $1.50 |
| Plus Checking | 5 free per month; $1.50 per transaction thereafter |
| Premier Checking | 12 free per month; $1.50 per transaction thereafter |
| Point of Sale Purchase | None |
Share Account Fees
| Closure of Account within 6 months | $5.00 |
| Money Orders | $2.00 |
| Travelers Checks/regular | none |
| Travelers Checks/for two | 1.5% of sale |
| Cashier’s Checks | 1 free per day/$5.00 |
| Photocopy of Cashier’s Check | $5.00 |
| Stop Payment on Cashier’s Check | $20.00 |
| Special Collections (Foreign Item) | cost + $5.00 |
| Security Interest Termination Statement | $10.00 |
| Attachment or Levy on Account | $50.00 |
| Outgoing Domestic Wires | $15.00 |
| Outgoing Foreign Wires | $30.00 |
| Incoming Wires | $10.00 |
| Account Research Fee | $15.00 hr./$15.00 min. |
| Statement Copy | $2.00/page |
| Account Histories | $1.00/page |
| Metro Flash Pass | $0.25 |
| Notary Service (1st free) | $1.00/page |
| Late Payment on Consumer Loan | 5% of past due amount or $20.00 whichever is greater |
Online Bill Pay Service
Safe Deposit Box Annual Fees
(Clinical Center and Rockville Metro Plaza Branches Only)
| 2×5” Box | $40.00 per year |
| 3×5” Box | $45.00 per year |
| 5×5” Box | $60.00 per year |
| 3×10” Box | $70.00 per year |
| 5×10” Box | $90.00 per year |
| 10×10” Box | $150.00 per year |
| Drilling Fee | $125.00 |
| New Key | $5.00 |
For Mortgage and Home Equity Loan fees, please call our Mortgage Services Department.
Fee discounts may apply to members with Premier Money Market Accounts.
1 The Below Minimum Balance Fee is assessed when a member (1) has less than the required minimum balance in a share draft checking account, AND (2) has less than the required total balance in an aggregate calculation of all deposit and loan accounts, excluding 1st mortgage loans: $5,000 for Basic, $15,000 for Plus and $25,000 for Premier. The assessed fee is deducted from the member’s share draft checking account. Balances will be evaluated on a daily basis.
2 Courtesy Pay available to qualified members. If the account has been open at least 60 days and maintained in good standing, defined as A) Making regular deposits sufficient to cover transactions; B) Bringing the account to a positive balance once every 30 days or less; C) There are no legal orders outstanding on your account and; D) You do not have any loans with NIHFCU that are more than 60 days past due.
3 Federal Regulation D limits the number of transfers from a share savings account during one calendar month to six (6). The transfers may be a combination of: Automatic overdraft transfers, telephone banking transfers or online banking transfers.
