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Schedule of Fees

Personal Banking - Schedule of Fees
Northeast EXPRESS
Average daily balance None
Monthly service charge No charge
Northeast EXPRESS Plus1
Average daily balance $500 No charge
Monthly service charge (if average daily balance below $500) $7.00
Northeast EXPRESS Gold1
Average daily balance $2,500 No charge
Monthly service charge (if average daily balance below $2,500) $7.00
No Foreign ATM charge  
REWARDS 501
Average daily balance $100 No charge
Monthly service charge (if average daily balance below $100) $7.00
No Foreign ATM charge  
Business Solutions
Monthly Account Analysis Charge $10.00
Monthly Service Charge $10.00
Per item paid $0.10
Per item deposited (on us) No charge
Per item deposited (transit) $0.10
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 No charge
Monthly service charge (if average daily balance below $100) $10.00
Per item paid $0.15
Per item deposited (on us) No charge
Per item deposited (transit) $0.10
Business EXPRESS
Monthly service charge No charge

First 750 debit items combined with transit credit items (per statement cycle)

No charge
All debit or transit credit items over 750 (per statement cycle) $0.30 per item
Per item deposited (on us) No charge
Business Money Market / Pearl Business MMA1*
Average daily balance $2,500 No Charge
Monthly service charge (if average daily balance below $2,500) $10.00
First 20 transit credit items (per statement cycle) No Charge
$0.25 per transit item over 20  
Per item deposited (on us) No Charge
Money Market / Pearl Money Market1* (Not applicable to IRA Money Market)
Average daily balance $2,500 No charge
Monthly service charge (if average daily balance below $2,500) $7.00
Statement Savings1
Average daily balance $100 No charge
Monthly service charge (if average daily balance below $100.00) $1.00
Youth Statement Savings1is offered with "no charge" for customers under 18 years of age.  
HSA Individual / Family1
Opening fee $5.00
Monthly service charge (if average daily balance falls below $100) $2.00
Holiday Club1
Withdrawal prior to maturity $10.00
*Account also assessed a per transaction charge for checks paid, pre-authorized withdrawals, or electronic transfers in excess of six (6) during any monthly statement period. $10.00
Other Fees
ACH Debit (external payment) $3.00
Amortization Schedule $10.00
ATM Transactions - Northeast Bank ATMs FREE
Foreign ATM Charge for Withdrawal $2.00
ATM Transactions - POS (point of sale) FREE
ATM Replacement Card (first replacement) FREE
       Replacement Card thereafter $10.00
ATM/Debit Card Overnight Replacement $75.00
Business Debit Card (first four cards) FREE
Replacement Card thereafter $10.00
Canadian Currency Exchange Fee Discount changes daily
Cashier’s Check $5.00
Check Cashing Fee (non-customers) $10.00
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 year with no activity, per month) $2.00
Inactive Savings (Two 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 (per month-first 90 days free) $9.95
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 Charge - recurring (Commercial Accounts Only) $5.00 per business day beginning on the fifth business day the account is overdrawn  
Paid Item Fee2 $27.00
Photocopies per item $0.25
Returned Item Fee2 (per item) $27.00
Research ($25.00 per hour minimum plus copies) $25.00
Returned Statement Charge $10.00
Safe Deposit Boxes3 Varies
Safe Deposit Box Drilling (plus cost) $100.00
Safe Deposit Box Key Replacement $15.00
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 Charge (per transfer) $2.00
Transfer of Custodian Fee (IRA, Education and Health Savings) $25.00
Traveler’s Checks (for one) 1% of sale
                           (for two) 1.5% of sale
Uncollected Funds Charge2 (item paid)
$27.00
Uncollected Funds Charge2 (item returned)
$27.00
Wire Transfer - Customer Only  
Incoming $15.00
Outgoing $25.00
Foreign $45.00
Incoming Wire Notification $5.00
Zipper Bags $6.00

1Interest Bearing Account, refer to Deposit Account Agreement and Truth and Savings Disclosure for more information.

2The fee applies to overdrafts created by check, in-person withdrawal, savings withdrawal, ATM withdrawal, or other electronic means as applicable.

3Safe Deposit Box contents are not insured by any government agency.

 

Complaint Resolution Procedure

If you have a dispute with your financial institution regarding your account, you may contact the financial institution and attempt to resolve the problem directly. If the financial institution 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, the Maine Bureau of Financial Institutions will refer it to the appropriate federal supervisory agency.