Business Fees
Operational Fees
| Service | Fees |
|---|---|
| Closing Membership within 90 days | $20.00 |
| Rejoining within 90 days | $20.00 |
| Minimum Balance Fee (No fee for the following: Members age 60 or older, age 17 or younger, no fee for new accounts for the first 6 months) |
$5.00 per month if aggregate share balance is less than $500 on last day of the month |
| Dormant Account (no fee if 17/younger) (less than $100/no transactions for 12 months) |
$15.00 per month |
| Money Orders | $2.00 each (Free to Relationship Pricing members) |
| Corporate check made payable to third party | $5.00 each |
| Cashiers Check | $10.00 each |
| Visa Gift Cards | $5.00 each ($2.00 for Relationship Pricing members) |
| Wire Transfers | |
| Outgoing wire or Incoming wire | $20.00 |
| Outgoing wire – non-member | $30.00 |
| International (incoming and outgoing) | $40.00 |
| Western Union – outgoing only | $20.00 |
| Credit Card / Check by Phone Convenience Fee | $5.00 |
| Credit Card / Check by Phone Returned Item Fee | $35.00 |
| Electronic Payment Convenience Fee (website) | $5.00 |
| Electronic Payment Convenience Fee (in person) | $15.00 |
| Share withdrawal (in excess of two per month) | $15.00 |
| Holiday Club withdrawal (in excess of one per year) | $15.00 |
| Vacation Club withdrawal (in excess of one per year) | $15.00 |
| Overdraft Transfer Fee (Free for Choice, Premium & Free2B Ckg. & Platinum Relationship Pricing) |
$10.00 each occurrence |
| ACH Debit/Non-sufficient funds | $35.00 |
| Return Item Fee | $35.00 |
| Account Inquiry | $5.00 |
| Check Deposit Verification Fee | $5.00 |
| Return Mail/Insufficient Address | $10.00/month |
| Additional Statement Copy | $5.00 |
| Verification of Deposit Processing | $10.00 |
| Corporate Check Rush Stop Payment (request received within 15 days) |
$20.00 |
| ACH / Pre-Authorized Stop Payment | $30.00 per item |
| ACH / Pre-Authorized Stop Payment | $50.00 per series |
| Third Party Deposited Returned Item NSF | $10.00 |
| Merchant Check Collection | $25.00 |
| Notary Fee (non-members only-free for members) | $5.00 |
| Research Fee | $25.00 per hour |
| Redeposit Returned NSF item | $10.00 |
| Check Cashing Fee (no fee with :MECU checking or aggregate share balance of $500 or more) |
3% of check amount or $10.00 whichever is greater |
| Electronic Tax Filing – Federal | $30.00 |
| Electronic Tax Filing – Federal and State | $40.00 |
MECU Anywhere – Internet Account Access Fees
| Service | Fees |
|---|---|
| PIN Reset (in excess of two) | $5.00 |
ATM/Visa Debit Card Fees
| Service | Fees |
|---|---|
| Foreign ATM Withdrawal | $2.50 |
| PIN Replacement | $5.00 |
| Limit Increase Request Fee | $10.00 per request |
| Card Replacement | $15.00 |
| Card Replacement – Rush Fee | $50.00 |
| Non-sufficient Funds/Overdraft Fee – Point of Sale (POS)/ATM | $35.00 |
| Card Abuse “Hot Card” | $15.00 |
Loan Fees
| Service | Fees |
|---|---|
| Origination/Documentation fee | Varies – ask for details |
| Over the Credit Limit Fee (line of credit) |
$35.00 per month |
| Skip-a-Payment | $35.00 per loan |
| Line of Credit checks: | |
| Non-sufficient Funds | $35.00 |
| Stop payment | $30.00 per item |
| Stop payment | $50.00 per series |
| Late Payment Fee (if the payment is received 16 days after the scheduled due date) |
4% of the monthly payment or $5.00, whichever is greater |
Legal Fees
| Service | 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) |
$25.00 |
| Subordination Agreement | $100.00 |
Safe Deposit Box Fees
| Annual Rental: | Fees |
|---|---|
| 3″ X 5″ X 21″ | $25.00 |
| 3″ X 10″ X 21″ | $35.00 |
| 5″ X 10″ X 21″ | $55.00 |
| Lost keys/drilling fee | $150.00 |
Business Accounts
| Service | Fees |
|---|---|
| Paper Statement (e-Statements are FREE) |
$5.00 month |
*All other applicable operational fees will apply to business accounts.
BizPay Online Bill Pay
| Service | Fees |
|---|---|
| BizPay On-line Bill Pay | Free for 6-months, then $18.95 month |
| Non-sufficient Funds/Overdraft Fee | $35.00 |
| Stop Payment | $10.00 |
| Merchant Return | $10.00 |
Business Prime Share
| Service | Fees |
|---|---|
| Excessive Withdrawal Fee (ACH/electronic transactions are free) |
First 2 withdrawals free per month/then $10.00 per withdrawal |
e-Business Checking
| Service | Fees |
|---|---|
| Monthly Service Charge (No fee if maintain average daily balance of $1,000.00) |
$10.00 |
| Clearing (fee per checks / debit items cleared) (ACH/electronic transactions are free) |
First 100 debits/credits free/then 25¢ |
| Deposits (fee per deposit item) (ACH/electronic transactions are free) |
First 100 debits/credits free/then 25¢ |
| Overdraft Transfer Fee | $10.00 per transfer |
| Cash Management (Sweep) Transfers | First 10 sweeps free per month, then $10 per sweep |
| Non-sufficient Funds/Overdraft Fee | $35.00 |
| Stop Payment | $30.00 per item |
| Stop Payment | $50.00 per series |
| Share Draft copy | $5.00 |
| Starter Checks (4 checks) | $5.00 per page |
Business Money Market
| Service | Fees |
|---|---|
| Monthly Service Charge (No fee if maintain average daily balance of $2,500.00 or more) |
$10.00 |
| Excessive Withdrawal Fee (ACH/electronic transactions are free) |
First 2 withdrawals free per month/then $10 per withdrawal |
| Deposits (fee per deposit item) (ACH/electronic transactions are free) |
10¢ per check deposited |
| Overdraft Transfer Fee | $10.00 per transfer |
| Non-sufficient Funds/Overdraft Fee | $35.00 |