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Consumer Fee Schedule

Consumer Schedule of Fees and Charges

Effective October 22, 2018

Primary & Regular Savings Accounts
Membership Fee (one-time) $10.00
Balance below $5 monthly $3.00
Excessive withdrawal fee (per withdrawal, in excess of 6 per month)  
$5.00

 

Savers Plus
Below minimum balance ($2,500 daily balance required) $10.00
Excessive withdrawal fee (per withdrawal, in excess of 6 per month) $5.00
Under minimum withdrawal fee (must be $500 or more) $5.00

 

Individual Retirement Accounts
IRA Transfer $25.00
Excess Contribution Removal $25.00
IRA Recharacterization $25.00
,

 

Health Savings Accounts
Monthly service charge $3.00
Below minimum balance ($100 daily balance required) $3.00
Returned Check (NSF) $32.00
Copy of paid MCCU check (2 free per statement period) $5.00
Mistaken Distribution $10.00
Stop payment on check (no charge if initiated on eBranch Online Banking) $20.00*
HSA Transfer $25.00
Excess Contribution Removal $25.00

 

Organization Accounts
Monthly fee (accounts opened after 12/01/02) $5.00
Ownership/officer change $5.00

 

Checking Accounts
Courtesy Pay (per item) $32.00
Returned check (NSF) $32.00
Copy of paid MCCU check (2 free per statement period) $5.00
Withdrawal transfer fee $3.00
Stop payment on check (no charge if initiated on eBranch Online Banking) $20.00*

Premium Checking

  • Monthly service charge (if daily balance falls below $1,000)
    (waived with an aggregate daily balance of $2,500 in Savings and/or Certificate accounts)
  • Non-MCCU ATM use (first 5 waived per month)

$7.00

$2.00

Fresh Start Checking

  • Monthly service charge 
$10.00

Teen Savers Checking

  • Non-MCCU ATM use (first 4 waived per month)
  • Lobby transactions (in excess of 4 per month)
  • Telephone Transactions
    (for any transactions/inquiries that are available electronically)

$2.00

$2.00

$2.00

 

ACH (Automated Clearing House)
Courtesy Pay (per item) $32.00
ACH returned NSF $32.00
Stop Payment/Revoke ACH $20.00

 

Bill Pay
Inactivity Fee (monthly, charged after first 30 days after sign-up and no activity) $5.00
Courtesy Pay (per item) $32.00

 

ATM/MasterMoney Debit Card

MCCU members can enjoy fee-free ATM transactions at 30,000 CO-OP Network ATMs nationwide!  This means you won't pay a surcharge fee (the fee the ATM owner may charge) plus you won't pay any MCCU ATM usage fees.

Find a CO-OP ATM near you bu calling 888-748-3266 or go online to www.allco-op.org.

ATM deposit adjustment from ATMs not owned by MCCU COST
MasterMoney: Copy of transaction $5.00*
MasterMoney: Emergency card replacement COST
MasterMoney: Cross-border/Currency conversion Assessment 1% of transaction amount
NSF $32.00
Replacement card $10.00*
Re-order PIN# $5.00*
Withdrawal from non-MCCU ATM $2.00
Courtesy Pay (per item) $32.00
ATM deposit adjustment $5.00

 

General Services
Account verification letter $10.00*
Cashier's Check $5.00+
Check cashing for non-member (per check) $5.00
Close account within first 90 days $25.00
Copy of Corp/Cashier's Check/Money Order $5.00
Copy of monthly statement $5.00
Corporate checks made payable to a third party $5.00
Custom letter $25.00
Deposit copy $3.00
Inactive account (monthly - no activity for 6 months) $5.00
Inactive account notice (Escheat, per notice) $2.00
Foreign collection items (varies by item) $3-$17 (+ cost)
Levies $40.00
Medallion Signature Guarantee (per signature) $15.00
Money Order $5.00* +
Notary (per signature) $10.00+
Re-open closed account $5.00
Returned mail $3.00
Return deposited item $25.00
Research, per hour (1 hour minimum) $25.00
Signature Guarantee for checks/documents (each) $3.00
Special handling $10.00
Stop payment - Corp/Cashier's Check/Money Order $20.00
Transaction listing (per page) $1.00*
Wire Transfer Outgoing (domestic) $25.00
Wire Transfer Outgoing (international) $40.00
Wire Transfer Incoming $10.00

All fees subject to change.  We will notify you of any changes, as required by law.

*Fee may be waived by becoming a Gold or Platinum Member.  Ask us how to become a Gold/Platinum member!
+ Fee is waived for members aged 62 or older.

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