| 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 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 Western Union |
$15.00 |
| International Western Union (up to $500) |
$35.00 |
| International Western Union (over $500) |
$50.00 |
| 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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