Our old web address, www.nswcfcuonline.org, will be discontinued soon. Make sure you have updated your bookmarks with our new address, www.topsidefcu.org. Fraud Alert: Be on the lookout for this Pay a Person Transfer scam.

Save up to $15 on TurboTax!

Reset Password / First Time User

NCUA logo


Apply for a loan

Main Content

Consumer Fee Schedule

(Effective May 20, 2020)



FREE Services  
AndroidTM, iPad®, and iPhone® Apps FREE
Android Pay, Apple Pay, and Google Pay FREE
ATM Foreign Transactions FREE
Bill Pay FREE
In Branch Coin Machine Services FREE
Direct Deposit FREE
DocuSign Services® FREE
eStatements FREE - And Safe, Secure, & Environment Friendly!
GreenPath Financial Wellness (A nonprofit with 60 years of experience that we partner with to help strengthen our members' financial wellness at every step of their financial journey) FREE
Incoming Wires FREE
Mobile Deposits FREE
Money Matters (Personal Financial Management Tool) FREE
MyCardRules AppTM FREE
Notary Services FREE
Online Banking FREE
VISA Debit Card FREE

Checking & Savings Accounts


Account Research $20 per hour; 1-hour minimum
Closed Account Return Fee $32.00 per item
Collection Fee $25.00 per occurrence
Copy Fee (paid checks, other documents, excluding statements) $2.00 per item
Garnishment Fee $50.00 per occurrence
Inactive Account Fee - no transactions for 6 months or more $5.00 per month
Money Orders $2.00 per item
NSF (items returned unpaid) $32.00 per item
Official Checks $5.00 per item
Overdraft (items paid resulting in a negative balance) $32.00 per item

Overdraft Transfer (from established Overdraft protection, not Overdraft Privilege

$5.00 per item

Overnight Delivery Fee for Documents $20.00

Returned Deposit Item (items deposited or cashed but subsequently returned unpaid)

$20.00 per item

Returned Payment - Mortgage

$15.00 per item

Share Draft Printing Varies by design

Statement Copies (Interim, Monthly or Quarterly; Available to print in Online Banking for FREE)

$5.00 per statement

Stop Payment on check written by member $32.00 per item

​Credit/Debit Card & Electronic Transaction

ATM Foreign Transaction Fee None
Bill Pay Guaranteed 2 Day ACH Fee $4.95
Bill Pay Guaranteed 2 Day Delivery Fee (check) $14.95
Bill Pay Overnight Delivery Fee (check) $19.95

Card Reissue Fee (ATM, Visa check card, or credit card)

$10.00 per card (1 free per calendar year)

Express Credit or Debit Card $50.00 per request
Hand Posted ACH Transaction/ACH Exception Fee $5.00 per transaction
Stop Payment on Credit & Debit transactions, excluding HELOC Visa $32.00 per item

Wire Transfers (Domestic)

$25.00 per wire

Safe Deposit Box Annual Rental

3 x 5


5 x 5


3 x 10


5 x 10


10 x 10 (only available at our Massaponax branch)


Duplicate Safe Deposit Box Key

$15.00 per key