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.Â
MCCU's Consumer Fee Schedule will be updated effective December 1, 2026. Click here or the button below to review the updated fee schedule.
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Updated Fee Schedule Effective December 1, 2026
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Current Consumer Fees are listed below and in effect through November 30, 2026.
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Consumer Schedule of Fees - Effective February 1, 2022
Account Fees
| Type of Fee | Amount |
|---|---|
| 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 Fee | Amount |
|---|---|
| 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 Fee | Amount |
|---|---|
| 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 Fee | Amount |
|---|---|
| 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 Fee | Amount |
|---|---|
| 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 Fee | Amount |
|---|---|
| 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 Fee | Amount |
|---|---|
| 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 |