Northeast Community Credit Union
Always Here When You Need Us

Serving the needs of Northeast Tennessee since 1952

Click for Credit Scores,

Home Banking,

AND Bill Payment


This schedule for all savings and checking accounts sets forth certain conditions, fees, and charges applicable to your accounts at Northeast Community Credit Union as of September 30, 2017. This schedule is incorporated as part of your Member Application and account agreements.


Checking Account Monthly Service Charge

Totally Free Checking, College Life Checking, Student Checking

Business Checking

High Interest Checking

Opportunity Accounts

Money Market Checking


Other Fees and Charges

Account Closure within 90 days of opening

ATM transaction fee

*ATM/VISA Check Card-Replacement Card

ATM/VISA Check Card/Audio-Replacement PIN

*Cashier/Teller Check under $500

*Check Cashing Fee


Check Card Transactions (within the U.S.)

Check Card for 2nd Chance Opportunity Accounts (if approved)

Check Deposited or Cashed (if check is returned as not good)


*Check Orders & Accessories

Copy of Check or Draft

*Courtesy Overdraft Payment

Deposit Account Verification


Electronic Transactions: Research or receipt copies


Foreign Bank check deposited or cashed

Foreign Check Card trans. fee (foreign transactions blocked unless member requests in writing)

Mobile and Online Banking

Inactivity Fee (no account activity in 6 months)

Identity Theft Protection (on checking accounts)

*Insufficient Funds (NSF) check/electronic/draft

*Inquiry/Account History request

Legal Process (levy/warrant/request for records)

Loan Application Fee - Consumer Loan

Loan Application Fee - Payday Alternative Loan (PAL)

Money Order

Online Bill Pay Service


Re-open Closed Share (within 3 months)

Returned Mail Fee

Safe Deposit Box Rental

Special Account Handling and/or Research

Statement Copy

*Stop Payment Fee

*Wire Transfer Fee-inside USA (outside: varies by country)

Notary Public service


*Certain fees may be eliminated or reduced with Loyalty accounts - ask for details


Fee Schedule





see Money Market agreement for fees if applicable




FREE at our credit union; $1 each at other locations




$0 with active direct deposit, checking, or loan;

without, $5 for checks over $100 and $3 if under $100



Personal Accounts $25 each return

Business Accounts $5 each return

Charges vary by design

$3 (FREE in home banking)

$30 ($27 each if Loyal Home Checking)

$10 each


$6 each +$20/hour

local: FREE; long-distance; $2 per page

$35 or actual charge

actual charge




$30 ($27 if Loyal Home Checking)

printed or verbal: $1/page;

FREE in Mobile & Online Banking and on Automated Phone Teller

$20 each

$60 each

$20 each


10 cents per page



Depends on box size: $20/$25/$35/$55


$1 per page printed; FREE statements in E-Statements or Home Banking

$25 each



  Lost VISA Debit Card: 1-800-472-3272, then call us at 423-547-1200


  Lost VISA Credit Card: 1-800-558-3424, then call us at 423-547-1200

ABA / Routing #  264278827

NMLS #520867


Equal Housing Opportunity Member NCUA

Rates subject to change without notice

Certain Restrictions Apply

 © 2008 Northeast Community Credit Union


  Your Insured Shares:

Your shares are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Association.