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Schedule of Fees (Schedule of Fees Effective January 1, 2008.)
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| Operational Fees |
| |
| Closing Membership within first year |
$15.00 |
| Rejoining within 90 days |
$10.00 |
|
Minimum Balance Fee (Aggregate all Shares)
(no fee if age 60/older, 17/younger, new account
for the first 6 months)
|
| $ .00 to $ 99.00 |
$4.00 / month |
| $100.00 to $299.99 |
$3.00 / month |
| $300.00 to $499.99 |
$2.00 / month |
| $500.00 and greater |
no fee |
| Dormant Account (no fee if 17/younger) |
$10.00 / month
(less than $100/no transactions for 12-months) |
| Money Orders: |
|
| Members Choice Checking (10 free per month) |
$3.00 / each |
| Members Premium Checking |
$3.00 / each |
| Members Free Checking or no checking |
$5.00 / each |
| Corporate check made payable to third party |
$5.00 / each |
| Traveler's checks |
1% of value |
| VISA Gift Cards |
$4.00 / each |
| Wire Transfers: |
|
| Outgoing wire |
$20.00 |
| Incoming wire |
$20.00 |
| Outgoing wire - non-member |
$30.00 |
| International (incoming & outgoing) |
$40.00 |
| Western Union - outgoing only |
$20.00 |
| Share withdrawal |
$10.00 (in excess of two per month) |
| Christmas Club withdrawal |
$10.00 (in excess of one per year) |
| Vacation Club withdrawal |
$10.00 (in excess of one per year) |
| Non-sufficient Funds / ACH Debit |
$30.00 |
| Return Item Fee |
$30.00 |
| Account Inquiry |
$5.00 |
| Return Mail / Insufficient Address |
$10.00 |
| Return Mail / Forwarding Notice Fee |
$5.00 |
| Additional Statement Copy |
$5.00 |
| Verification of Deposit Processing |
$10.00 |
| Corporate Check Rush Stop Payment |
$20.00 (request received within 15 days) |
| ACH Pre-Authorized Stop Payment |
$30.00 / per item |
| ACH Pre-Authorized Stop Payment |
$50.00 / per series |
| Third Party Deposited Returned Item NSF |
$5.00 |
| Merchant Check Collection |
$15.00 |
| Research Fee |
$20.00 / hour |
| Redeposit Returned NSF item |
$10.00 |
| Written Statement Under Penalty of Perjury |
$20.00 processing fee per occurrence |
Check Cashing Fee (no fee with MECU checking or
aggregate share balance of $500 or more) |
3% of the check amount or $10.00 whichever is greater |
| Third Party Bill Pay Account Payment |
$3.00 / each |
| Third Party Bill Pay Account - Non-sufficient funds |
$10.00 / each |
| Third Party Bill Pay Account - Insurance Payments |
$ .50 / each |
| Electronic Tax Filing - Federal |
$30.00 |
| Electronic Tax Filing - Federal & State |
$40.00 |
|
| Individual Retirement Account Fees |
| |
| Annual Fee |
$10.00 |
| Withdrawal Fee |
$30.00 (in excess of four per year) |
| IRA Direct Transfer Fee - outgoing |
$30.00 |
|
| Money Market Account Fees |
| |
| Withdrawal Fee |
$10.00 (in excess of two per month) |
| Service Fee |
$10.00 / month (if balance falls below $2,500) |
|
| Checking Fees |
| |
Members Premium monthly service fee
(no fee if age 50/older, 17/younger, maintain average daily balance of $1,000 or more) |
$9.95 |
| Members Choice monthly service fee |
$9.95 |
| Members Choice monthly service fee |
$7.95 (for members over age 50) |
| Non-sufficient funds |
$30.00 |
| Overdraft Protection (Members Free Checking) |
$5.00 / each occurrence |
| Stop Payment |
$30.00 / per item |
| Stop Payment |
$50.00 / per series |
| Share Draft copy |
$5.00 |
| Inquiries on Cleared Checks |
$5.00 |
|
| MECU Anywhere - Internet Account Access Fees |
| |
| One-time initial set up fee |
$5.95 |
| PIN Reset |
$5.00 (in excess of two) |
|
| MECU Anywhere - Online Bill Pay |
| |
| Non-sufficient Funds |
$30.00 |
| Stop Payment |
$10.00 |
| Merchant Return |
$10.00 |
|
| ATM / VISA Debit Card Fees |
| |
| Foreign ATM withdrawal |
$2.00 |
| PIN Replacement |
$2.00 |
| Limit Increase Request Fee |
$5.00 per request |
| Card Replacement |
$10.00 |
| Card Replacement - Rush Fee |
$50.00 |
| Non-sufficient Funds - Point of Sale (POS) |
$30.00 |
| Card Abuse "Hot Card" |
$15.00 |
| Annual Fee - Premium & Free Checking |
$5.00 |
|
| Loan Fees |
| |
| Application Fee |
$25.00 |
| Over the Credit Limit Fee (ine of credit) |
$30.00 per month |
| Filing Fee (collateralized loans-titles) |
$5.00 |
| Filing Fee (collateralized loans-UCC) |
$25.00 |
| Line of Credit checks: |
|
| Non-sufficient Funds |
$30.00 |
| Stop payment |
$25.00 / per item |
| Stop payment |
$50.00 / per series |
| Late Payment Fee |
4% of the monthly payment or $5.00, whichever is greater if the
payment is received 16 days after the scheduled due date. |
|
| Legal Fees |
| |
| Tax Levy Processing |
$50.00 |
| Garnishment Processing |
10% of garnishment amount up to a maximum of $50.00 |
| Collection Account (c.u. initiated legal action) |
$50.00 |
| Subordination Agreement |
$100.00 |
|
| Safe Deposit Box Fees |
| |
| Annual Rental: |
|
| 3x5x21 |
$25.00 |
| 3x10x21 |
$35.00 |
| 5x10x21 |
$55.00 |
| Lost keys / drilling fee |
$100.00 |
