Metro North Federal Credit Union is committed to providing you financial products and services to meet your needs and reach you financial goals. We are equally committed to protecting our members’ privacy. You can be confident that your financial privacy is a priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal information.

We may disclose the information we collect, as described previously, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of the information we provide. We do not permit these companies to sell the member information we provide.

In order to conduct the business of the credit union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law.

If you terminate your membership with us, we will not share information we have collected about you, except as permitted or required by law.

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy.

Metro North Federal Credit Union is committed to protecting privacy of its members. Members can help by the following these simple guidelines:

If you have questions concerning this notice, please do not hesitate to call us – we are here to serve you.

FEE SCHEDULE Effective January 1, 2003
Account Fees
Account Reconciliation	$15.00 Per Hour Per Employee
Cashier Checks For collection purposes Reissue Check	$2.00 $10.00 $4.00
Check Cashing Fee Member ages 18 - 59 (maintains less than $250 in savings & uses no other services)	$3.00
Counter Checks	$0.50
Deposit Bags	$6.00
Dormant Account Fee Per Quarter	$5.00
Fax Fee First Page Each Additional Page	$2.00 $1.00
Levies/Attachments/Garnishments	$30.00
Member Reinstatement Fee accounts closed within 90 days of opening date	$5.00
Money Orders	$1.00
Replace Loan Payment Book	$5.00
Research Fee	$15.00 Per Hour Per Employee
Return Mail Fee	$2.00
Speedy Line Pin No. Replacement	$2.00
Transaction History Per Month	Picked Up Mailed Faxed	$2.00 $3.00 History Fee Plus Fax Fee
Travelers Checks one signature two signature	1% of Sale 1% of Sale
Wire Transfers Regular Business Foreign Incorrect Wire Instructions	$10.00 $15.00 $25.00 $5.00
CHECKING ACCOUNT FEES
COPY OF A DRAFT	$2.00
Monthly Service Fee	Personal Business	Free $12.00
NSF Fee	Personal Business	$22.00 $22.00
Returned Checks	Personal Business	$7.00 $10.00
Stop Payments	Personal Business	$22.00 $22.00
Transfer Fee To cover Overdraft	$3.00
EFT FEES
NSF FEE	Personal Business	$22.00 $22.00
Stop Payments	Personal Business	$22.00 $22.00
ATM / DEBIT CARD FEES
Card Replacement Fee	$5.00
DEPOSITS	Free
Withdrawals First Four Per Month Each Additional Withdrawal	Free $1.00
Point of Sale (P.O.S.) PIN used	$1.00
Point of Sale (POS) Signature used	Free
Pin Number Replacement	$2.00
*** Surcharges may be imposed by Machine Owner
CHARGE CARD FEES
Card Replacement Fee	$5.00
Late Fee	$10.00
Non Member Cash Advance Fee	3% of Advance $2.00 Min $15.00 Max
Overlimit Fee	$0.00