Schedule of Fees

Schedule of Fees

Effective:  April 1st 2016

Free Services Fee
ATM Transactions at MFed Owned ATMs FREE
ATM Transactions at COOP, Money Pass, and AFFN ATMs FREE
ATM Card Replacement - Rush Service FREE
E-Statements FREE
Financial and Budgeting Counseling FREE
Home Banking Access FREE
Home Equity Checks FREE
Membership Fee WAIVED
Phone Banking Access FREE
Signature Guarantee Stamp FREE
Stop Payment cancellation FREE
Wire (incoming - domestic and international) FREE

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Service/Product FEESFee 
Account closure within 90 days of open date $10
Account number re-assignment (same calendar year per member's request for non-fraud issue) $25
Account research (including subpoenas / court orders) $25/hour
ACH Origination Returned Payment $20
ATM Card Replacement (1 free per calendar year) $5 per card
ATM deposit error adjustment correction $10 per item
ATM empty envelope deposit adjustment correction $25 per item
ATM Foreign Currency Conversion 1% of amount per transaction
ATM Network Photographs $25 per photo
ATM Out of Network Withdrawals - Plus ATM Owner fees $1.50 per transaction
ATM Out of Network Balance Inquiries $0.50 per inquiry
Bill Payment - Account Re-activation $25 per item
Bill Payment - Returned NSF when presented $25 per item
Bill Payment - Proof of Payment (non-dispute issue) $10 per request
Cashier's Check $3 per check
Check cashing (non-member) 1% of amount / $5 minimum
Courtesy Pay for ATM/Debit Card Transactions (member must opt in) $25
Credit Card Late Payment Up to $19 after 10 days late
Credit Card Returned Payment $20 per item
Credit Card Advance (M-Fed card) 1% of cash advance amount (maximum $15)
Credit Card Advance (non-M-Fed card) $15 per request
Credit Card Foreign Card Transaction (M-Fed machine) 1% of each US dollar transaction
Credit Card Foreign Transaction in foreign country 0.80% of each US dollar transaction
Debit Card Replacement (1 free per calendar year) $5 per card
Debit Card Replacement -Rush Overnight Service $65 (3rd Party Charge)
Dormant Accounts (non-minor account; inactive for more than 12 months) $5 per month
Escheat Notice $2 per notice
Foreign check deposits $15 per item
Gift Cards $5.5 per card
IRA pre-mature distribution (early/non-qualified) $15 per distribution
IRA Rollover/Transfer/Termination (outgoing) $25 per request
Notary (non M-Fed document) $10 per signature
Overdraft Convenience Transfer $1 per transfer
Mortgage Re-conveyance $31 per item
Mortgage Subordination $100 per item
Regulation D Excessive Withdrawal $5 per withdrawal over Reg-D limit
Returned Item - deposit or presented for payment (member check) $25 per item
Returned Item - deposit or presented for payment (non-member check) $10 per item
Skip-a-payment (up to two per life of loan; one skip request per 12 months) $45 per request
Special Handling for checks printed by other than M-Fed approved vendor $10 per item
Stop Payment (single check; series of checks; cashier's check; money order; electronic withdrawal; online banking payment) $20 per item
Temporary Checks (free at account opening and during check re-order) $2 per sheet
Vehicle Lien Release / Duplicate Title $20 per request
Verification of deposit $10 per item
Wire (outgoing - domestic) $20 per item
Wire (outgoing - international) $45 per item
Wire (re-submit due to incorrect information from member - domestic) $10 per item
Wire (re-submit due to incorrect information from member - international) $25 per item
Wire trace $10 per item

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