Consumer Fees

Effective November 1, 2012

Card Replacement
ATM/Cash & Check $5.00
Rush Order $25.00
Checking and Savings
Overdraft Fees
• Returned Item Fee $35.00
• Overdraft Fee $35.00
• Daily Max $140.00
*Fees imposed by Check, In-person Withdrawals and other Electronic Withdrawals excluding one time POS debits and ATM withdrawals.
Stop Payment $25.00
Research & Reconciling
• Per Hour $25 ($25 min)
• Transaction Items $3.00
• Statement Replacement $5.00
Returned Deposits $5.00
Return Mail (Paper or Electronic) $5.00
Inactive Checking or Savings Account
*Fee assessed monthly after 12 months checking
or 36 months savings inactivity
$5.00 per month
Check Cashing (Non-customer)
• $500 or less $5.00
• Over $500 $10.00
Other Services & Fees
Special Instruction      $10.00
Certified Checks $20.00
Collection Items $25.00

Bond Redemption

$40.00
Currency (Non-customer) $1 per strap of $100
• Coin Order (per roll) $.10

Early Account Closure Fee (within 90 days)

$25.00
Fax $1.00 per page
Legal Processing Fee $75.00

Gift Cards

$3.95
Cashier's Checks
Payable to Customer No Charge
North Shore Gold Customer First 2 Free
• Customer $5.00
• Non-Customer $7.00
Personal Money Orders
• Customer $4.00
• Non-Customer $6.00
Night Deposit
• Night Bag-zipper $5.00
• Night Bag-locked $25.00
Notary
• Customer No Charge
• Non-Customer (per document) $1.00
Photocopies
• North Shore Gold Customer First 2 Free
• Per Copy $1.00
Safe Deposit Box
Annual Fee
• 2 x 5 $25.00 *
• 3 x 5 $30.00 *
• 5 x 5 $50.00 *
• 3 x 10 $60.00 *
• 5 x 10 $70.00 *
• 10 x 10 $90.00 *
Boxes are 22" in length
* $5.00 discount for AFT payments
* $5.00 discount for North Shore Gold Customers
Lost Key $20.00
Drilling Fee $125.00
Late Fee % of rental amount 20%
Travelers Checks (per 100)
Free to North Shore Gold Checking Account Holders!
Regular (per 100)
• Customer $1.50
• Non-Customer $2.50
“Checks for Two” (per 100)
• Customer $2.50
• Non-Customer $3.00
Wire Transfer
Telephone Advice $5.00
Incoming $15.00
Outgoing $18.00
Foreign $40.00
* Non-Customer fees may be higher
Conventional Fixed, 15 Years
Rate 3.125% | APR 3.360%
Conventional Fixed, 20 Years
Rate 3.750% | APR 3.936%
Conventional Fixed, 30 Years
Rate 4.125% | APR 4.261%
FHA, 30 Years
Rate 3.500% | APR 3.618%
VA, 30 Years
Rate 3.625% | APR 3.750%
Overcast
70°
Wednesday
August 20
2014

Duluth, MN