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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
1 Interest 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.