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Schedule of Fees

Northeast EXPRESS
Average daily minimum balance None
Monthly service charge No charge
Northeast EXPRESS Plus
Average daily balance $500.00 No charge
Monthly service charge assessed if average daily balance falls below $500.00 $7.00
Northeast EXPRESS Gold1
Average daily balance $2,500.00 No charge
Monthly service charge assessed if average daily balance falls below $2,500.00 $7.00
REWARDS 501
Average daily balance $100.00 No charge
Monthly service charge assessed if average daily balance falls below $100.00 $7.00
Commercial Checking
Monthly service charge $10.00
Per item paid $0.15
Per item deposited $0.10
Electronic debit posted (per item) $0.07
An earnings credit is computed on the average daily collected balance less 10% equity reserve, and applied against monthly service charges. The earnings credit rate is subject to change without notice.  
Business NOW / Municipal NOW1
Average daily balance $100.00  
Monthly service charge assessed if daily balance falls below $100.00 $10.00
Per item paid $0.15
Per item deposited $0.10
Electronic debit posted (per item) $0.07
Business EXPRESS
Monthly service charge 300 items allowed (combined debits and credits) No charge
Per transaction fee above 300 items $0.30  
Business Money Market1
Monthly service charge assessed if daily balance falls below $2,500.00* $10.00
Per item deposited (in excess of 20 per statement) $0.25
Money Market1
Average daily balance $2,500.00 No charge
Monthly service charge assessed if average daily balance falls below $2,500.00* $7.00
Statement Savings1
Daily minimum balance $100.00 No charge
Monthly service charge assessed if daily balance falls below $100.00* $1.00
Youth Saver is offered with no monthly service charge for customers under 18 years of age.  
HSA Family Money Market1
Opening fee $5.00
Monthly service charge assessed if daily balance falls below $100.00* $2.00
Christmas Club Accounts1
Withdrawal prior to maturity $10.00
*Account also assessed a per transaction charge of $10.00 for checks paid, pre-authorized withdrawals, or electronic transfers in excess of six (6) during any monthly statement period.  
Other Fees
ACH Debit (external payment) $3.00
Amortization Schedule $10.00
ATM Transactions - Northeast Bank ATMs FREE
ATM Transactions - Foreign ATMs $2.00
ATM Transactions - POS (point of sale) FREE
ATM Replacement Card  
First replacement FREE
Any replacement thereafter $10.00
ATM/Debit Card Overnight Replacement $75.00
Business Debit Card (first four cards are Free)  
First replacement FREE
Any replacement thereafter $10.00
Canadian Currency Exchange Fee Discount changes daily
Cashier’s Check $5.00
Cash Check Non-Customer $10.00
Check Certification $15.00
Check / Transaction Copy $3.00
Check Payment via Telephone (ACH) $10.00
Check Printing varies
Closed Accounts Within 90 Days $25.00
Collection Item $20.00 + Additional Fees
Counter Check FREE
Coupon Collection per item $5.00
Deposited Items Returned (commercial accounts only) $10.00
FAX – incoming per page $1.00
Outgoing (local) per page $2.00
Outgoing (out of state) per page $4.00
Gift Checks (American Express®) $2.50
Inactive Checking (One (1) year with no activity, per month) $2.00
Inactive Savings (Two (2) years with no activity, per month) $1.00
Instant Statement $5.00
Internet Banking (Personal) FREE
Internet Banking (Business) FREE
Internet Banking - Personal Bill Pay FREE
Internet Banking - Business Bill Pay $9.95
Per month, first 90 days FREE
Legal Processing $100.00
Loan Payment Returned Fee (Mortgage - first lien) $27.00
Money Order $4.00
Money Order Reissue $5.00
Night Deposit Bag - Non Refundable - Locked Bag $20.00
Notary (customer) FREE
Notary (non-customer) $15.00
Overdraft Fee2 per item $27.00
Returned Item Fee2 per item $27.00
Overdraft Charge (Commercial Accounts Only)
Assessed every five (5) days of recurring overdraft
$27.00
Photocopies per item $.25
Research ($25.00 minimum + copies) per hour $25.00
Returned Statement Charge $10.00
Safe Deposit Boxes3 Varies
Safe Deposit Box Drilling Cost + $100.00
Safe Deposit Box Key Replacement $15.00
Transfer Charge per transfer $2.00
Signature Guarantee $5.00
Statement Copies per page $2.00
Stop Payment $27.00
Stop Payment - Bank Check (Indemnification Bond Required) $27.00
Stop Payment - Money Order $27.00
Telephone Transfers (branch assisted) $3.00
Transfer of Custodian Fee (IRA, Education and Health Savings) $25.00
Traveler’s Checks 1% of sale
{for two (2)} 1.5% of sale
Uncollected Funds Charge - Item Paid2
$27.00
Uncollected Funds Charge - Item Return2
$27.00
Wire Transfer - Customer Only  
Incoming $15.00
Outgoing $25.00
Foreign $60.00
Incoming Wire Notification $5.00
Zipper Bags $6.00

1Interest Bearing Account, refer to Deposit Account Contract and Current Rate Sheet for more information. 2 The fee applies to overdrafts created by check, in-person withdrawal, savings withdrawal, ATM withdrawal, or other electronic means, as applicable. 3 Safe Deposit Box contents are not insured by any government agency.

 

Important Notice

If you have a dispute with your financial institution or credit union regarding your account, you may contact the financial institution or credit union and attempt to resolve the problem directly. If the financial institution or credit union fails to resolve the problem, communicate the problem and the resolution you are seeking to:

 

Maine Bureau of Financial Institutions

36 State House Station

Augusta, Maine 04333-0036

 

To file a complaint electronically, you may contact the Maine Bureau of Financial Institutions at the following Internet address:

http://www.maine.gov/pfr/financialinstitutions/complaint.htm

 

When your complaint involves a federally-chartered financial institution or credit union, the Maine Bureau of Financial Institutions will refer it to the appropriate federal supervisory agency.