Total Protection Guarantee

We safeguard your funds, your privacy and your transactions.

Fees

Fees are current as of February 1, 2014

Savings Account Fees
Checking Account / Check Card Fees
Money Market Account Fees
Loan Fees
Business Services Fees
Online Banking Fees
Safe Deposit Box Fees
Other Service Fees (All Accounts)
Credit Union Membership Fees


Savings Account Fees
Below Minimum Balance FREE
Excess Withdrawals
(On all savings accounts, you may make up to six preauthorized, automatic, telephonic, audio response or Internet transfers to another of your accounts, or to the account of any other person or organization, during the calendar month.)
$2.00 for any in-person withdrawals in excess of two per calendar month
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Checking Account / Check Card Fees
Below Minimum Balance FREE
Visa Check Card FREE
Overdraft Transfer FREE
Statements FREE
Overdraft Privilege $29.00 per debit or check paid
Debit Card Overdraft Privilege $29.00 per debit
Non-Sufficient Funds (NSF) $29.00 per debit or check paid
Stop Payment (all items) $29.00 per item
Check Copies $4.00 per item
Photocopy of a Deposited Check $5.00 per item
Returned Deposit Item $29.00 per item
Check Orders Prices vary depending upon styles

Expedited Debit Card or PIN Mailer

$15.00
Account Research/Reconciliation Assistance $20.00 per hour

ATM Withdrawals at MECU-Owned Machines

FREE
Foreign ATM Withdrawals $1.50 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
(On all money market accounts, you may make up to six preauthorized, automatic, telephonic, audio response or Internet transfers to another of your accounts, or to the account of any other person or organization, during a calendar month. If you exceed these limitations, your account may be subject to a fee or be closed.)
$10.00 each month
Fees apply for any type of withdrawal in excess of six per calendar month (preauthorized, automatic, telephonic, audio response, Internet transfers, transfers from your account to pay a loan with us, transfers to your other accounts with us, withdrawals by check made directly to you, in-person withdrawals, withdrawals made by mail or withdrawals made by ATM.)
Withdrawals less than $500.00 $10.00 each
Stop Payment $29.00 per item
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Loan Fees
Mortgage Credit Report $20.00 (credited at closing, nonrefundable otherwise)
Mortgage Appraisal Deposit for Conventional Loans $375.00 (credited at closing, nonrefundable otherwise)
Mortgage Origination $495.00 (paid at closing)
Mortgage Processing Fee for Conventional Loans $445.00 (paid at closing)
Mortgage Rate Lock Change .50% of the loan amount
Mortgage Late Payment 5% of payment
Mortgage Modification $500.00

Mortgage Re-Amortization Fee

$150.00
Home Equity Loan Closing Costs Waived (see full disclosure)
Home Equity Line of Credit Closing Costs Waived (see full disclosure)
Home Equity Line of Credit Annual Fee FREE
Home Equity Line of Credit Check Orders FREE
Home Equity Loan or Line of Credit Early Closure Actual closing costs initially waived at closing (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
Loan Late Payment (other than mortgage) $20.00
Early Loan Repayment (other than Home Equity) FREE
Vehicle Title Transfer (for refinance) FREE
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Business Service Fees
Business Checking Per Debit Item
Low-Volume (above 50)
High-Volume (above 500)

$0.25 per item
$0.15 per item
Low-Volume Account Below Minimum Balance $5.00 each item
High-Volume Account Below Minimum Balance $5.00 each item
Business Checking Deposit Correction $3.00
Check Orders Prices vary depending on style
Visa Check Card FREE
Special Delivery of Check Card or Credit Card FREE
Business Real Estate Loan Application $375.00 (refunded at closing)
Business Loan Origination 1% of loan amount
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Online Banking Fees
External Transfers — Transfer In or Out (2 to 3 business days) FREE
Online Banking and Bill Payment FREE
Online BillPay Overnight Paper Payment $20.00
Online BillPay Same-Day Bill Payment $9.95
Person to Person Payment (Popmoney®) $0.75
Online Check Copies FREE
Quicken Downloads FREE
Microsoft Money Downloads FREE
eStatements FREE
eNotifications FREE
Delinquent eDeposit $29.00 per item
Unacceptable eDeposit $29.00 per item
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Safe Deposit Box Fees
3 X 5 Rental $35.00 annually
3 X 10 Rental $60.00 annually
5 X 10 Rental $85.00 annually
10 x 10 Rental $140.00 annually
Safe Deposit Box Drilling $150.00
Safe Deposit Box Lost Key $10.00
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Other Service (All Accounts)
Notary Service FREE
Signature Guarantee FREE
Cashier's Check $5.00
Money Order
Express Advantage Members
$3.00
$1.00
Visa Gift Card $3.00
Domestic Wire Transfer — Outgoing $25.00
Domestic Wire Transfer — Incoming FREE
International Wire Transfer — Outgoing $45.00
International Wire Transfer — Incoming FREE
Travelers Cheques
Express Advantage Members
$1.00 per $100
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
(Inactivity is defined as no activity after 12 months, less than $200 in a regular savings account and no other MECU accounts)
$10.00 per quarter
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