Other Services
All Accounts
| Type of Account |
Fees Charged |
| Closed Account (within 6 months) |
$10.00 |
| Stop Payment Request (each) |
$15.00 |
| Returned Check (third party deposited) |
Per Regulation |
| Returned Check (deposit/payment - all others) |
$20.00 |
| Insufficient/Uncollected Funds |
$25.00 |
| Photocopies of Statements (each |
$2.00 |
| Overdraft Pay |
$25.00 |
| Account Research/Reconciliation/Copies (per hour) |
$20.00 |
| (minimum 2 hours) |
|
| Wire Transfer (Outgoing Domestic) |
$20.00 |
| Wire Transfer (Outgoing Foreign) |
$35.00 |
| Transfers via Teller (each) |
$2.00 |
| Levy, Writ or Lien |
$50.00 |
| Abandoned Property |
$30.00 |
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Main Share Savings Account
| Accounts |
Fees Charged |
| Monthly Account Maintenance Fee |
$3.00 |
| (6 month grace period for new members) |
|
| Waived if member: |
|
| (a) maintains any share account other than main share or |
|
| (b) has $200 or more on deposit in main share account or |
|
| (c) has any open loan or credit card or |
|
| (d) is under 18 or 65 or older |
|
| Photocopy of Official Check/Share Draft/Money Order |
$5.00 |
| Each withdrawal after 2 free per month |
$.99 |
| Overdraft Protection Transfer |
$7.00 |
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MSECU "Convenience" Debit/ATM Card
| Item |
Fees Charged |
| New Card - Standard |
No Charge |
| New Card - Custom |
$10.00 |
| New Card - Photo |
$15.00 |
| Lost Card Replacement - Standard |
$10.00 |
| Lost Card Replacement - Custom |
$10.00 |
| Lost Card Replacement - Photo |
$15.00 |
| Cancelled card within 6 months |
$15.00 |
| Transactions at MSECU ATM Machines |
No Charge |
| Point of Sale Transactions |
No Charge |
| Retail Purchase Transactions |
No Charge |
| ATM Transactions at Non-MSECU Machines: |
|
| Potential charges for ATM transactions ($1.00) vary depending on |
|
| type of account maintained. See description of Checking |
|
| Accounts for detailed information. |
|
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Checking Accounts
|
Item
|
Fees Charged
|
|
Basic Checking
|
|
|
No minimum balance, no monthly service charge
|
|
|
Each check written
|
$.75 |
|
|
|
|
18/65 Checking
|
|
|
Available to members 18 years old and under or 65 years old
|
|
| and over. No per check charge, no minimum balance, no monthly |
|
| service charge, no charge for basic check order. |
|
|
Insufficient/Uncollected Funds
|
$5.00 |
|
|
|
|
Interest Checking
|
|
|
No per check fees, competitive interest paid
|
|
|
Monthly Service Charge:
|
|
|
If average monthly balance is less than $1,000
|
$7.00
|
|
Optional "Convenience" Debit/ATM Card available:
|
|
| - Transactions at MSECU ATM's |
No Charge |
| - Transactions at Non-MSECU ATM's |
$1.00 |
| - Point-of-Sale Transactions |
No Charge |
| - Retail Purchase Transactions |
No Charge |
| |
|
|
Free/Interest Checking
|
|
| Requires Direct Deposit of "Net Pay." No per check fees, no |
|
| minimum balance, no monthly service charge, competitive interest paid |
|
| Optional "Convenience" Debit/ATM Card available: |
|
| - Transactions at MSECU ATM's |
No Charge |
| - First 4 Transactions per month at Non-MSECU ATM's |
No Charge |
| - Over 4 transactions per month at Non-MSECU ATM's |
$1.00 |
| - Point-of-Sale Transactions |
No Charge |
| - Retail Purchase Transactions |
No Charge |
|
|
|
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Money Market Accounts
| Item |
Fees Charged |
| Monthly Service Charge: |
|
| Balances of $2,000 and over |
No Charge |
| Balances under $2,000 |
$7.00 |
| Checks Clearing per month |
|
| 3 free 3rd party checks, each thereafter |
$10.00 |
| Note: Members receive the first 50 MMA checks free - |
|
| thereafter, there is a nominal charge for purchase of checks. |
|
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Regular & IRA Term Certificates (CD's)
| Item |
Fees Charged |
| Close-out prior to maturity date forfeits interest, whether |
|
| credited to account or not, as follows: |
|
| CD Term = 12 months or less: |
|
| member forfeits interest for |
3 months |
| CD Term = Over 12 months: |
|
| Member forfeits interest for |
6 months
|
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Individual Retirement Accounts
| Item |
Fees Charged |
| Annual Fee |
No Charge |
| Transfer Out/Close-out Fee |
20.00 |
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Holiday & Vacation "Club" Accounts
| Item |
Fees Charged |
| Close-out prior to disbursement date |
$15.00 |
| Withdrawal prior to disbursement date |
$15.00 |
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MasterCard
| Item |
Fees Charged |
| Platinum Card |
No annual Fee, Free Travel Insurance. See Disclosure |
| Classic Card |
No annual Fee, Free Travel Insurance. See Disclosure |
All fees are disclosed in application and agreement
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Other Services
| Item |
Fees Charged |
| Money Order |
$2.00 |
| Travelers Checques |
1% of Purchase |
| Travelers Checques for Two |
1.5% of Purchase |
| Gift Checques (each) |
$2.50 |
| Notary Public Service |
No Charge |
| Quik-N'-Easy 24-Hour Telephone Service |
No Charge |
| Stateline Online Banking Service |
No Charge |
| Official Checks |
$5.00 |
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