Most credit union services are offered as no-cost benefits to MCCU members. Select products and services incur a fee to help offset the costs of providing the service; a schedule of these fees is available below. If you would like any additional information about the fees listed below, a member of the MCCU team will be happy to answer any questions you may have. 

 

Consumer Schedule of Fees - Effective February 1, 2022

Account Fees
Type of FeeAmount
Account Escheatment 1 $25
ACH On-Demand $7.95 per posting
Check Guard $30 for each authorized overdraft
Dormant Account (after 12 months of inactivity) $5 per month
Investment Checking Account Minimum Balance 2 $10 per month
Legal Processing $50 per occurrence
Non-Sufficient Funds (NSF) 3 $30 per item presentment
Outgoing Domestic Wire Transfer $20 per wire
Paper Statement (free for minor accounts and members over 62) $3 per month
Returned Item $15 per item
Stop Payment $20 per item
Wrong Address $10 per month
1. MCCU is required to escheat dormant account funds to your state of residence per applicable state laws
2. Minimum balance fees apply when account balance falls below the minimum required balance at any point throughout the month
3. Includes any check, pre-authorized transfer, or transaction made by use of your Debit or ATM card, or other electronic means, as applicable (including in-person transactions)

General Fees
Type of FeeAmount
Account Reopening (within 90 days) $25 per occurrence
Account Research/Reconciliation (1 hour minimum) $22 per hour
Benefits Plus Membership $5.95 per month
Cashier's Check $3 per item (if not payable to member)
Check Orders Varies
Coin Machine 3% of total coin
Copy of Check $3 per check
Debit/ATM Card Replacement Fee (first replacement is free) $10 per card
Debit/ATM Card Rush Order $30 per card
Credit Card Replacement (first card replacement is free) $10 per card
Credit Card Rush Order $30 per card
Money Order $1 per item
Non-Proprietary ATM Transfer, Withdrawal, or Balance Inquiry 4 $1 per occurrence
Notary Services Free
Statement Copy $3 per month
4. First six transactions are free each month

Safe Deposit Box Fees - Available at Maybee Location
Type of FeeAmount
2" x 5" Box* $20 annual
3" x 5" Box* $30 annual
3" x 10" Box* $40 annual
Replacement Key $15 per key
Box Drilling $15 (plus cost of lock replacement and locksmith charges)
* Fee will be automatically debited every 12 months on the anniversary of when the box was opened

Travel Card Fees
Type of FeeAmount
New CU Money Travel Card $5 per card
CU Money Travel Card Replacement $5 per card
CU Money Travel Card Reload $2 per reload

Non-Member Fees
Type of FeeAmount
Notary Services $5
Coin Machine 8% of total coin
Check Cashing $5 per check (over $100)

Business Schedule of Fees - Effective November 1, 2023

Business Account Fees
Type of FeeAmount
Account Escheatment $25
ACH Stop Payment $20 per occurrence
Business Basic Checking Minimum Balance* $15 per month
Business Plus Checking Minimum Balance* $25 per month
Check Guard $30 for each authorized overdraft
Community Choice Checking Minimum Balance* $5 per month
Copy of Check $3 per check
Dormant Account (after 12 months of inactivity) $5 per month
Legal Processing $50 per occurrence
Non-Sufficient Funds (NSF) $30 per item presentment
Paper Statement $3 per month
Returned Item $15 per item
Stop Payment $20 per item
Stop Payment - Series $25 per series
Wrong Address $10 per month
* Minimum balance fees apply when the balance falls below the minimum required balance at any point during the month

General Business Fees
Type of FeeAmount
Account Reopening (within 90 days) $25 per occurrence
Account Research/Reconciliation (1 hour minimum) $22 per hour
Cashier's Check (if not payable to member) $3 per item
Check Orders Varies
Coin Machine 3% of total coin
Debit/ATM Card Replacement (first replacement is free) $10 per card
Debit/ATM Rush Order $30 per card
Notary Services Free
Statement Copy $3 per month

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