| Savings Account Fees | |
|---|
| Below Minimum Balance |
FREE |
Excess Withdrawal
(On all savings or 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.) |
$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 styles |
| 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
(On all savings or 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.) |
$10.00 each |
| Withdrawals less than $500.00 |
$10.00 each |
| Stop Payment (all items) |
$25.00 |
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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) |
| FHA Appraisal |
$450.00 (paid at closing) |
| FHA Underwriting Fee |
$200.00 (paid at closing) |
| FHA Processing Fee |
$350.00 (paid at closing) |
| Mortgage Rate Lock Change |
.50% of the loan amount |
| Mortgage Late Payment |
5% of payment |
| Mortgage Modification |
$500.00 |
| 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 |
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 (other than Home Equity) |
FREE |
| Loan Non-Sufficient Funds (NSF) |
$25.00 |
| Vehicle Title Transfer (for refinance) |
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 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 | |
|---|
| 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 (All Accounts) | |
|---|
| Notary Service |
FREE |
| Signature Guarantee |
FREE |
| Cashier's Check |
$5.00 |
Money Order
Express Advantage Members |
$2.00
$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
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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