| |
| Savings Account Fees | |
| Below Minimum Balance | FREE |
| Excess Withdrawal | $ 2.00 each (in excess of two per month) |
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| Checking Account / Check Card Fees | |
| Below Minimum Balance | FREE |
| Visa Check Card | FREE |
| Overdraft Transfer | FREE |
| Overdraft Privilege | $25.00 per debit or check paid |
| Non-Sufficient Funds (NSF) | $25.00 per debit or check paid |
| Stop Payment (all items) | $25.00 |
| Check Copies | $ 3.00 per item |
| Photocopy of a Deposited Check | $ 5.00 per item |
| Returned Deposit Item | $25.00 per item |
| Check Orders | Prices vary depending upon style |
| Special Delivery of Check Card | $15.00 |
| Account Research/ Reconciliation Assistance | $20.00 per hour |
| Foreign ATM Withdrawals | $ 1.00 each (in excess of 8 per month) |
| Foreign ATM Balance Inquiry/Transfer | $ .25 per transaction |
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| Money Market Account Fees | |
| Check Orders | FREE |
| Below Minimum Balance | $10.00 each month |
| Excess Withdrawals (more than 3 checks or 3 withdrawals per month) | $10.00 each |
| Withdrawals less than $500 | $10.00 each |
| Stop payment (all items) | $25.00 |
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| Loan Fees | |
| Mortgage Application | $300.00 (refunded at closing) |
| Mortgage Closing Costs | Varies |
| Mortgage Late Payment | 5% of payment |
| Mortgage Modification | $500.00 |
| Home Equity Loan/Line Closing Costs | FREE |
| Home Equity Line of Credit Annual Fee | FREE |
| Home Equity Line of Credit Check Orders | FREE |
| Home Equity Line of Credit Early Closure | Actual closing costs (if closed within 1 year) |
| Home Equity Lien Subordination | $100.00 |
| Visa Platinum Annual Fee | FREE |
| Visa Platinum Cash Advance | FREE |
| Visa Platinum Expedited Payment | $ 5.00 |
| Visa Platinum Late Payment | $20.00 |
| Special Delivery of Visa Platinum Credit Card | $15.00 |
| Loan Application (other than mortgage) | FREE |
| One-Time Expedited Loan Payment (from another institution) | $ 5.00 |
| Refinance of an Existing MECU Loan (not including real estate – secured loans) | $50.00 |
| Loan Late Payment (other than mortgage) | $20.00 |
| Early Loan Repayment | FREE |
| Loan Non-Sufficient Funds (NSF) | $25.00 |
| Vehicle Title Transfer (for refinances) | FREE |
| Stafford Loans | 1% default fee at closing |
| Parent / Graduate PLUS Loans | 1% default fee at closing, 3% origination fee |
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| Business Services Fees | |
| Business Checking Per Debit Item | |
| Low-Volume (above 50) | $0.25 per item |
| High-Volume (above 500) | $0.15 per item |
| Low-Volume Account Minimum Balance | $5.00 each month |
| High-Volume Account Minimum Balance | $5.00 each month |
| Business Checking Deposit Correction | $3.00 |
| Check Orders | Prices vary depending upon style |
| Visa Check Card | FREE |
| Special Delivery of Check Card or Credit Card | $15.00 |
| Business Real Estate Loan Application | $375.00 (refunded at closing) |
| Business Loan Origination | 1% of loan amount |
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| Online Account Access Fees | |
| Money Movement - Standard Transfer In (3 days) | FREE |
| Money Movement - Standard Transfer Out (3 days) | FREE |
| Money Movement - Next-Day Transfer In or Out | $5.00 |
| Bill Payment | FREE |
| Quicken Downloads | FREE |
| Microsoft Money Downloads | FREE |
| eStatements | FREE |
| eNotifications | FREE |
| Delinquent eDeposit | $25.00 |
| Unacceptable eDeposit | $25.00 |
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| Safe Deposit Box Fees | |
| 3 X 5 rental | $30.00 annually |
| 3 X 10 rental | $45.00 annually |
| 5 X 10 rental | $70.00 annually |
| 10 X 10 rental | $120.00 annually |
| Lost Keys (drilling) | $125.00 |
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| Other Service Fees (All Accounts) | |
| Notary Service | FREE |
| Signature Guarantee | FREE |
| Cashier’s Check | $ 5.00 |
| Money Order | $ 2.00 |
| Express Advantage members | $ 1.00 |
| Visa Gift Card | $ 2.00 |
| Domestic Western Union | $15.00 |
| International Western Union (up to $500) | $35.00 |
| International Western Union (over $500) | $50.00 |
| Domestic Wire Transfer - Outgoing | $18.00 |
| Domestic Wire Transfer - Incoming | FREE |
| International Wire Transfer - Outgoing | $45.00 |
| International Wire Transfer - Incoming | FREE |
| Travelers Cheques | $ 1.00 per $100 |
| Express Advantage members | FREE |
| Statement Copy | $ 5.00 each |
| Federal Express items | $15.00 |
| Collection Item (incoming) | $20.00 |
| Garnishments/Citations | $50.00 |
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| Credit Union Membership Fees | |
| Inactive Membership | $ 10.00 per quarter |
(Inactivity is defined as no activity after 12 months,
less than $200 in a regular savings account and no
other MECU accounts) | |
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