About Us

Fee Disclosure

Effective August 1, 2005; Fees subject to change.

Deposit Account Fees

Returned Deposit Items $10.00
Returned Deposit Items Drawn on Self $25.00
Inactive Account Fee $25.00 @ 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
Premier Money Market ($10,000 minimum balance) $6.00/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
Certified Draft $5.00

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 10 free per month; $1.50 per transaction thereafter
Point of Sale Purchase None

Share Account Fees

Closure of Account within 6 months $5.00

Credit Card Fees

Credit Card Annual Fees

Visa Platinum Preferred Rewards none
Visa Platinum Rewards none
Visa Gold Rewards none
Visa Classic Rewards none
Student Visa Rewards none
Visa Secured Rewards $15.00
Card Replacement $5.00

Other Credit Card Fees

Late Fee 5% of past due amount or $20.00, whichever is greater
Cash Advance Fee 2% of advance amount
Over the Limit Fee $10.00

Additional Services

Money Orders $2.00
Travelers Checks/regular none
Travelers Checks/for two 1.5% of sale
Cashiers Checks 1 free per day/$5.00
Photocopy of Cashiers Check $5.00
Stop Payment on Cashiers 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

Basic Checking none
Plus Checking none
Premier Checking none

Safe Deposit Box Annual Fees

(Clinical Center and Rockville Metro Plaza Branches Only)

2×5” Box $40.00 @ year
3×5” Box $45.00 @ year
5×5” Box $60.00 @ year
3×10” Box $70.00 @ year
5×10” Box $90.00 @ year
10×10” Box $150.00 @ 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 Plus or Premier Checking Accounts, or 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 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 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 thirty days or less; C) There are no legal orders outstanding on your account and; D) You do not have any loans with us 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.