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Fees & Service Charges

Consumer Fee Schedule

Effective as of September 23, 2019. All fees are subject to change without notice.

Account Fees

Checking Accounts
GO Green
Nexus and eNexus Checking (For Existing Accounts Only)
Nexus and eNexus Checking (50 and older) (For Existing Accounts Only)

$5.00 per month
$4.00 per month
Inactive Account Fee4$5.00 per month

Transaction Fees

Check Writing FeeNone
150 Wallet Checks in Traditional StyleVaries according to style
Temporary Counter Checks (aka Starter Checks)
(8 FREE at account opening)
$2.00/sheet of 4
Copy of Personal Check (free via Online Banking)$5.00 per copy
Stop Payment (per 6-month request)
Personal & Teller Checks, Money Order, ACH, or Bill Payment Check
Certified Check of $1,000 or more (per item)$8.00
Automatic Overdraft Transfer From Any Deposit Account or Safety Line of Credit to Checking$3.00
Item Returned Unpaid or Check Paid via Courtesy Payment (per item)$30.00
VISA Debit Transactions via Courtesy Payment (per item)$10.00
Telephone Payment made from an existing account with a representative$5.00
Automated or online payments from an external accountFREE

Transfers/Withdrawals (Regulation D)

A fee will be charged if you exceed six pre-authorized, automated, or telephone transfers/withdrawals during any statement cycle from any Share, Money Market, Super Saver or Club Account$10.00 per item

ATM Fees

NEFCU ATM TransactionsFREE
Withdrawals at Non-NEFCU ATMs8 FREE/mth $1.00 ea over 8
Withdrawals at Allpoint™ ATMs (Using NEFCU VISA® Debit card only)1FREE
Inquiries at Non-NEFCU ATMs (per inquiry)$1.00 each

Online Services

Online BankingFREE
Bill PaymentFREE
Expedited Bill Payment — via Electronic Payment$10.00 each
Expedited Bill Payment — via Check Payment$30.00 each
Account Transfers (Internal Member accounts)FREE
Copy of Bill Payment Check$5.00
POPMoney — Next Day2 (per transaction)FREE
POPMoney — Standard3 (per transaction)FREE
Payment Manager Funds Transfer Premium Inbound2$5.00 each
Payment Manager Funds Transfer Premium Outbound2$10.00 each
Payment Manager Funds Transfer Standard Inbound3FREE
Payment Manager Funds Transfer Standard Outbound3
(Transaction Up to $5,000)
Payment Manager Funds Transfer Standard Outbound3
(Transaction between $5,000 – $10,000)
$5.00 each
Payment Manager Funds Transfer Standard Outbound3
(Transaction between $10,000 – $15,000)
$10.00 each

Safe Deposit Boxes (Plainview Branch only)

3 x 5 x 18$35.00
5 x 5 x 18$50.00
3 x 10 x 18$60.00
5 x 10 x 18$95.00
10 x 10 x 18$185.00
Safe Deposit Key Replacement$15.00
Safe Deposit Break-In Fee$200.00

Other Services

Abandoned Property Account Processing$50.00
Account Research (per hour)$20.00
CyberScout ID Management ServicesFREE
Teller Check for Less Than $1,000$3.00
Copy of Teller Check (per copy)$5.00
Money Order (per item)$3.00
Copy of Money Order (per item)$5.00
Copy of Deposited Check or Slip — item deposited within prior six months AND check amount known (per item)$5.00
Copy of Deposited Check or Slip — item deposited more than six months ago OR check amount unknown (per item)$6.00
Copy of Statement (per statement)$5.00
Money Market Account
(over three checks written)
$10.00 each
Deposited Item Returned (per item)$15.00
Notary Public ServiceFREE
IRA Custodial ServiceFREE
IRA trustee to trustee transfer (outgoing only)$25.00
Canadian Checks$15.00
Immigration Letter (per letter)$10.00
Payoff Letter (Mortgage)$30.00
Incoming Collection Item$15.00
Foreign Collection Item$35.00
Wire — Incoming — Domestic or International$5.00
Wire Transfer — Outgoing within U.S. (per wire)$20.00
Faxed Wire — Outgoing within and outside U.S. (per wire)$50.00
Wire Transfer — Outgoing outside U.S. (per wire)$40.00
NEFCU Investment Services ConsultationFREE
Bad Name/Address (undeliverable mail returned)$3.00
ACH Item Returned Unpaid or ACH Stop Payment on a Deposit Account$30.00
VISA® Late Feeup to $25.00
Lost VISA® Debit and Credit Cards$5.00
Coin-Counting Machine (per day)
Amounts less than $500
Amounts over $500

10% of amount over $500


1Transactions made at Allpoint ATMs using a Jovia Visa® Debit card do not count against the non-Jovia ATM transaction limit. Please note that ATMs at Shared Branches (CU Service Centers), King Kullen Supermarkets, and other Long Island credit unions will count against the eight-transaction limit; however, you may make an unlimited number of requests for cashback at PIN-based point-of-sale (POS) terminals.

2Next Business Day if the transaction is requested through Online Banking by 8:00 PM EST

3Three Business Days if transaction is requested through Online Banking by 1:00 AM EST

4Applies to membership with no activity in the preceding 12 months; excluding members who maintain a loan balance, IRA or Term Certificate of Deposit, or have greater than $1,000 in total balances

Rates and terms are subject to change without notice.