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 $25
ACH On-Demand $7.95 per posting
ACH Stop Payment $20 per occurrence
Check Guard $30 for each authorized overdraft
Dormant Account (after 12 months of inactivity) $5 per month
Investment Checking Account Minimum Balance $10 per month
Garnishment or Levy $50 per occurrence
Non-Sufficient Funds (NSF) $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
Stop Payment - Series $25 per series
Wrong Address $10 per month

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
Money Order $1 per item
Notary Services Free
Statement Copy $3 per 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)

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 February 1, 2021

Business Account Fees
Type of FeeAmount
Account Escheatment $25
ACH Stop Payment $20 per occurrence
Business Plus Checking Minimum Balance $15 per month
Check Guard $30 for each authorized overdraft
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

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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